Advantages: You can avoid the annual fee if you brush it for 3 times, and Xiaofuka can be automatically divided into 12 periods (of course, there is a handling fee).

Disadvantages: there is no 800 phone calls, 8 yuan for an integral, and the integral cannot be exchanged at present. There are few outlets, and people with more than 6 bank credit cards are basically not approved.

Summary: the annual fee-free policy is an important feature, which is suitable for friends who don't want to pay annual fees.