Comparison of five credit cards of CITIC, China Merchants Bank, Bank of Communications, Bank of China and ICBC. Which is the best?

What kind of good do you need?

Interest-free period: 56 days for ICBC and Bank of Communications, 50 days for BOC and China Merchants Bank, and 48 days for CITIC.

Withdrawal fee: CITIC has a maximum of 3% and a minimum of 30 yuan; For the rest, from 1% and 10 yuan, from 8 yuan of BOC or from 12 yuan (inter-bank cash withdrawal), ICBC is free of handling fees for cash withdrawal in the same city.

Installment fee: similar. Take 12 as an example, the handling fee for each period is mostly 0.6%. No matter how many periods Bank of Communications divides, each period is 0.72%. The minimum payment for applying for installment payment is 600, and Bank of Communications is 1500.

Overdraft interest: 0.05% of daily consumption; Unified standards.

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