China Merchants and Bank of China are more favorable. \x0d\\x0d\Apply for a China Merchants Bank credit card. The benefits of a China Merchants Bank credit card include: 1. 50% off on movies. 2. 50% off food day. 3. 50% off points redemption. 4. Redeem points at McDonald’s. 5. Use points to redeem Starbucks.

\x0d\\x0d\China Merchants Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year, and no annual fee for the next year if you swipe six times; \x0d\2. Free SMS service; \x0d\3. Loss reporting procedures The fee is 60 yuan; \x0d\4. The points gifts are better\x0d\Disadvantages: \x0d\1. The cash withdrawal fee is high and requires 3 yuan; \x0d\2. Fewer outlets\x0d\\x0d\CITIC Bank: \x0d\ Advantages: \x0d\1. Swiping the card once within one month after issuance will waive the first-year annual fee, and swiping the card five times will waive the annual fee for the following year; \x0d\2. Free SMS service; \x0d\3. Free accident insurance\x0d \Disadvantages: \x0d\1. The cash withdrawal fee is high and requires 3 yuan; \x0d\2. Few outlets; \x0d\3. The loss reporting fee is high and requires 80 yuan; \x0d\4. There are many gifts but the required points are high\ x0d\\x0d\Industrial Bank: \x0d\Advantages: \x0d\1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times or spend 3,000; \x0d\2. It costs 50 yuan to report a loss\x0d\Disadvantages: \x0d\1. SMS service fee is 3 yuan/month; \x0d\2. Cash withdrawal fee is high and requires 3 yuan; \x0d\3. Few outlets\x0d\\x0d\Bank of Communications: \x0d\Advantages: \x0d\1 , the first-year annual fee is waived, Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times to waive the next year's annual fee; \x0d\2. SMS service is free; \x0d\3. The cash withdrawal fee is only 1 ; \x0d\4. It costs 50 yuan to report a loss; \x0d\5. There are more branches than other non-state-owned commercial banks; \x0d\6. There are more gifts that can be redeemed by points\x0d\ Disadvantages: I haven’t seen it yet, but after using it The overall evaluation given by colleagues of Bank of Communications Credit Card is average\x0d\ Guangfa Bank: \x0d\ Advantages: \x0d\1. The first-year annual fee is waived, and the annual fee for the next year is waived after six swipes; \x0d\2. Overpayment collection The handling fee is waived; \x0d\3. It only costs 3 yuan to make a replacement statement; \x0d\4. A copy of insurance is provided; \x0d\5. There are discounts for applying for a card\x0d\Disadvantages: \x0d\1. SMS The service fee is 3 yuan; \x0d\2. The loss reporting fee is 85 yuan; \x0d\3. Few branches\x0d\\x0d\ Pudong Development Bank: \x0d\ Advantages: \x0d\1. No annual fee for the first year ; \x0d\2. No SMS service fee; \x0d\3. No loss report handling fee; \x0d\4. No overpayment recovery handling fee\x0d\Disadvantages: \x0d\1. The annual fee for the following year is based on the credit card swipe Records and repayment records determine whether to be exempted; \x0d\2. The handling fee for replacing a damaged card is 80 yuan; \x0d\3. The handling fee for cash withdrawal is 3 yuan; \x0d\4. Few branches\x0d\Shenzhen Development Bank : \x0d\Advantages: \x0d\1. No annual fee for the first year; \x0d\2. Cash withdrawal fee 1; \x0d\3. Handling fee for reporting loss 50 yuan; \x0d\4. Handling fee for making a replacement statement Only 2 yuan\x0d\Disadvantages: \x0d\1. Points can only be exchanged for the next annual fee. Some credit cards can be redeemed for the next annual fee by swiping 12 times in the first year; \x0d\2. Few outlets\x0d\\x0d \x0d\Advantages: \x0d\1. No annual fee for the first year; \x0d\2. No cash withdrawal fee; \x0d\3. No overflow payment and withdrawal fee; \x0d\4. Free Aviation accident insurance also provides discounted on-site emergency assistance services\x0d\Disadvantages: \x0d\1. Most credit cards need to be swiped 8 times to be exempt from the annual fee for the next year, and some require a 160 yuan cost fee; \x0d\2. SMS service The fee is 3 yuan; \x0d\3. The handling fee for reporting a loss is 80 yuan; \x0d\4. Few branches\x0d\ Everbright Bank: \x0d\ Advantages: \x0d\1. The first-year annual fee is waived for some cards, and it is waived for three swipes. Annual fee for the following year; \x0d\2. Cash withdrawal fee 1; \x0d\3. No SMS service fee; \x0d\4. 50 yuan required to report loss\x0d\Disadvantages: \x0d\1. Some cards are only free for the first year

Annual fee, some cards require first-year annual fee; \x0d\2. Few branches\x0d\Four major state-owned commercial banks: \x0d\China Construction Bank: \x0d\Advantages: \x0d\1. No first-year annual fee, The annual fee for the next year is waived if you swipe three times; \x0d\2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 0.5; \x0d\4. The handling fee for reporting a loss is 50 yuan; \x0d\5. Directly targeted at car owners Credit card can be easily applied for as long as the car has a displacement of 1.4 or above. \x0d\Disadvantages: The gifts that points can be exchanged for are few and poor\x0d\\x0d\Bank of China: \x0d\Advantages: \x0d\1. No annual fee for the first year, and no annual fee for the next year if you use it five times; \x0d \2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 1 yuan; \x0d\4. The loss reporting fee is only 40 yuan\x0d\ Disadvantages: high points are required to exchange gifts, and there are few types of gifts\x0d\\x0d\ Industrial and Commercial Bank of China: \x0d\Advantages: \x0d\1. The annual fee for the year is waived if you swipe the American Express card 5 times a year or spend 5,000 yuan, or exchange 2,000 points for the annual annual fee for RMB ordinary cards; \x0d\2. Free cash withdrawal fees ; \x0d\3. There is no handling fee for overpayment redemption; \x0d\4. It only costs 20 yuan to report a loss; \x0d\5. Many outlets\x0d\Disadvantages: \x0d\1. SMS service fee is 2 yuan/month ; \x0d\2. The points required to redeem gifts are high and the types of gifts are small\x0d\\x0d\Agricultural Bank of China: \x0d\Advantages: \x0d\1. The first-year annual fee is waived, and the annual fee for the next year is waived after five purchases; \x0d\2. The SMS service is free; \x0d\3. The cash withdrawal fee is only RMB 1; \x0d\4. The loss reporting fee is only RMB 50; \x0d\5. There are many outlets