China Construction Bank:
Advantages:
1, free of annual fee in the first year, and free of annual fee in the second year after brushing for three times;
2. SMS service is free;
3. The withdrawal fee is only 0.5%;
4. Report the loss of 50 yuan;
5. There is a kind of credit card that is directly for car owners. As long as there is a car with a displacement above 1.4, it can be easily processed.
Disadvantages: points can be exchanged for less and worse gifts.
Bank of China:
Advantages:
1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;
2. SMS service is free;
3. The withdrawal fee is only1%;
4. The loss reporting fee is only 40 yuan.
Disadvantages: Gift redemption requires high points and few types of gifts.
ICBC:
Advantages:
1, American Express card swipes the card five times a year, or the annual fee of the current year is exempted when the consumption reaches 5,000 yuan, or the annual fee of RMB ordinary card is exchanged for 2000 points;
2. The withdrawal fee is free;
3. The overpayment will be recovered free of charge;
4. Only 20 yuan is needed to report the loss;
5. There are many exits
Disadvantages:
1, SMS service fee 2 yuan/month;
2. The points needed to exchange gifts are high, and there are few kinds of gifts.
Agricultural Bank:
Advantages:
1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;
2. SMS service is free;
3. The withdrawal fee is only1%;
4. The loss reporting fee is only in 50 yuan;
5. There are many exits
Disadvantages: 1, few types of credit cards; 2. The card processing procedure is relatively complicated; 3. Less points can be exchanged for gifts.
China Merchants Bank:
Advantages:
1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;
2. SMS service is free;
3. Report the loss of 60 yuan;
4, the overall gift is better
Disadvantages:
1, and the withdrawal fee is 3%;
2. Less exports
China CITIC Bank:
Advantages:
1. Within one month after issuing the card, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times;
2. SMS service is free;
3. Send an accident insurance.
Disadvantages:
1, and the withdrawal fee is 3%;
2. Less outlets;
3. The loss reporting fee is high in 80 yuan;
4. There are many gifts, but the requirements are high.
Industrial Bank:
Advantages:
1, exempt from the annual fee for the first year, and exempt from the annual fee for the next year if you brush it for five times or spend 3000 yuan;
2. 50 yuan is needed to report the loss.
Disadvantages:
1, SMS service fee 3 yuan/month;
2. Withdrawal fee of 3%;
3. Less exports
Bank of Communications:
Advantages:
1, Y-POWER card is free of annual fee in the first year, three times in the second year, and six times in other cards;
2. SMS service is free;
3. The withdrawal fee is only1%;
4. 50 yuan is required to report the loss;
5. There are more outlets than other non-state-owned commercial banks;
6. There are more gifts that can be redeemed for points.
Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average.