Generally speaking, the credit card of China Everbright Bank is relatively easy to use. The biggest advantage is that there is a mini-card, which can be divided into stages regardless of location and amount, and there is no handling fee for the first phase. If all debts are paid off before the second billing date, no extra charge will be charged. In addition, you only need to spend three times (unlimited amount) to avoid the annual fee for the next year. Also, no matter how much you spend each time, you will send a free text message to your mobile phone in time to inform you of the consumption amount, which is very convenient. If there is a cash withdrawal transaction, you can also enjoy the minimum repayment amount!

As for the bad, compared with other banks, there are fewer special merchants, and there may be more proof materials to be provided when handling the card than other banks ~ Everbright Bank Sunshine Credit Card, one card and two coins, universal; Consumption abroad, RMB repayment; Convenient application, no guarantee, no deposit, is an international standard credit card.

Sunshine credit card is a dual-currency credit card. It can be used by special merchants who accept VISA card business in more than 240 countries and regions around the world, and withdraw local currency from more than 840 thousand ATMs with VISA logo around the world. In Hong Kong, Macao, Singapore, South Korea, Thailand and other places, credit card RMB settlement business will be opened, and transactions conducted by merchants or ATMs with the logo of "UnionPay" can be settled and repaid in RMB.

A variety of repayment methods: outlet counters, automatic teller machines (ATMs), self-service deposit machines (CRS), multimedia self-service inquiry machines, Sunshine Card automatic transfer, inter-bank transfer/remittance, online bank repayment, and telephone purchase of foreign exchange repayment.

Credit cards are mainly used for consumption, and they will be withdrawn only if they have to (with the existing handling fee and interest). If you want to withdraw cash, you'd better get a debit card. If you pay special attention to the cost, there is no charge for the debit card of Shanghai Pudong Development Bank at present.

Credit cards are best used with debit cards. China Merchants Bank's one-card (for financial management) is combined with its credit card (for consumption and points), which is convenient and practical. We can consider the combination of peony smart card of China Industrial and Commercial Bank and its credit card in E era, Longka debit card of China Construction Bank and its credit card, and Great Wall electronic debit card of China Bank and China Bank.

Compared with China Merchants Bank Credit Card, Everbright Bank Credit Card has the following advantages:

1. swipe your card 3 times to avoid the annual fee of the following year, and China Merchants Bank needs 6 times;

2. China Merchants Bank can't repay with ATMs of other banks, but Everbright can.

3. Everbright's consumption points are higher than those of China Merchants Bank, and there are many discounts.

4. Everbright Credit Card can choose password+signature for payment, which is more secure. Disadvantages:

1. The popularity of Everbright Credit Card is not as wide as that of China Merchants Bank, and the preferential margin of corresponding merchants is also less than that of China Merchants Bank.

2. The innovation ability of China Merchants Bank's credit card is stronger than that of Everbright, and the card design is diverse and fashionable.

3. Although the credit card bonus gift of China Merchants Bank is difficult to redeem, it is fast and attractive to update.