In fact, all banks are similar nowadays. The main thing is which aspect the host cares about more, whether it is the credit limit or daily merchant discounts, annual fee reductions, etc.

If you must limit the region, then Harbin Bank is a new joint-stock commercial bank that has emerged in the Northeast in recent years. It is the only joint-stock commercial bank with legal person status in Harbin. And it should be the bank with the most business outlets in Harbin. It has expanded very rapidly in recent years.

In addition, let me talk to the poster about the advantages and disadvantages of other large banks that have already perfected their mechanisms.

China Construction Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived if you apply three times;

2 , SMS service is free;

3. The cash withdrawal fee is only 0.5;

4. The loss reporting fee is 50 yuan;

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.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China:

Advantages:

1. Free of charge for the first year If you swipe five times, the annual fee will be waived;

2. SMS service is free;

3. The cash withdrawal fee is only RMB 1;

4. Loss report procedure The fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

ICBC:

Advantages:

1 , swipe the American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for the annual annual fee for RMB ordinary cards;

2. Cash withdrawal fees are free;

3. There is no handling fee for overpayment redemption;

4. It only costs 20 yuan to report a loss;

5. There are many outlets

Disadvantages:

1. The SMS service fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

Agricultural Bank of China:

Advantages ：

1. The annual fee for the first year is waived, and the annual fee for the following year is waived for five purchases;

2. The SMS service is free;

3. Cash withdrawal fees Only 1;

4. The loss reporting fee is only 50 yuan;

5. There are many outlets

Disadvantages: 1. Few types of credit cards; 2. Card application The procedures are relatively cumbersome; 3. Few points can be redeemed for gifts

More than that! If you want to apply for a credit card, it is best to check the official website of each bank for the credit card application regulations of each bank.

I hope my answer can help the original poster!