The credit card application process is free, and the formal application process does not require any handling fees. Now major banks are striving for more credit card market share, and there is no charge for applying for credit cards. \x0d\\x0d\ Take a comprehensive inventory of the credit cards of the banks around you \x0d\x0d\ Four major state-owned commercial banks: \x0d\ China Construction Bank: \x0d\ Advantages: \x0d\ 1, free of annual fees in the first year and three times in the second year; \x0d\2。 SMS service is free; \x0d\3。 The withdrawal fee is only 0.5%; \x0d\4。 The loss reporting fee is in 50 yuan; \x0d\5。 There is a direct credit card for car owners. As long as there is a car with a displacement above 1.4, you can easily apply for a card. \x0d\ Disadvantages: There are few gifts that can be redeemed for points. \x0d\x0d\ Bank of China: \ x0d \ Advantages: \x0d\ 1, the annual fee is free in the first year, and the annual fee is free in the following year if you swipe your card five times; \x0d\2。 SMS service is free; \x0d\3。 The withdrawal fee is only1%; \x0d\4。 The loss reporting fee is only for 40 yuan \x0d\ Disadvantages: the points required for gift exchange are high, and the types of gifts are few \x0d\ Industrial and Commercial Bank of China: \ x0d \ Advantages: \x0d\ 1, American Express card is swiped 5 times a year, or the annual fee is exempted for that year, 5,000 yuan. \x0d\2。 The withdrawal fee is free; \x0d\3。 Free recovery of overpayment; \x0d\4。 Only 20 yuan is needed to report the loss; \x0d\5。 Too many sockets \x0d\ Disadvantages: \x0d\ 1. SMS service fee 2 yuan/month; \x0d\2。 The points required for redeeming gifts are high, and the types of gifts are few \x0d\x0d\ Agricultural Bank of China: \ x0d \ Advantages: \x0d\ 1. Free of annual fee in the first year, and free of annual fee for five swipes in the second year; \x0d\2。 SMS service is free; \x0d\3。 The withdrawal fee is only1%; \x0d\4。 The loss reporting fee is only in 50 yuan; \x0d\5。 Too many outlets \x0d\ Disadvantages: 1, few types of credit cards; 2. The card processing procedure is relatively complicated; 3. Less points are exchanged for gifts \x0d\x0d\ China Merchants Bank: \ x0d \ Advantages: \x0d\ 1, free of annual fees in the first year, and free of annual fees in the following year if you swipe your card six times; \x0d\2。 SMS service is free; \x0d\3。 The loss reporting fee is in 60 yuan; \x0d\4。 The integral gift is better \x0d\ Disadvantages: \x0d\ 1. The withdrawal fee is 3% higher; \x0d\2。 Less outlets \x0d\x0d\ China CITIC Bank: \ x0d \ Advantages: \x0d\ 1. Swiping the card once within one month after issuing the card is free of the annual fee for the first year and swiping the card five times is free of the annual fee for the next year; \x0d\2。 SMS service is free; \x0d\3。 Send an accident insurance \x0d\ Disadvantages: \x0d\ 1, and the withdrawal fee is 3% higher; \x0d\2。 Less outlets; \x0d\3。 The loss reporting fee is high in 80 yuan; \x0d\4。 There are many gifts, but the points are required to be high \x0d\x0d\ Industrial Bank: \ x0d \ Advantages: \x0d\ 1, the annual fee is free in the first year, and the annual fee is free in the following year if you spend over 3,000 yuan for five times; \x0d\2。 50 yuan is required to report the loss \x0d\ Disadvantages: \x0d\ 1. SMS service fee 3 yuan/month; \x0d\2。 The withdrawal fee is 3% higher; \x0d\3, few outlets \x0d\x0d\ Bank of Communications: \ x0d \ Advantages: \x0d\ 1, annual fee is free in the first year, annual fee is free in the following year if you swipe Y power card three times, and annual fee is free in other cards six times; \x0d\2。 SMS service is free; \x0d\3。 The withdrawal fee is only1%; \x0d\4。 50 yuan is required to report the loss; \x0d\5。 There are more outlets than other non-state-owned commercial banks; \x0d\6。 There are many gifts that can be redeemed for points \x0d\ Disadvantages: I haven't seen them yet, but the overall evaluation given by colleagues who use the Bank of Communications credit card is general \x0d\ Guangfa Bank: \x0d\ Advantages: \x0d\ 1, the annual fee is free for the first year, and the annual fee for the next year is free for six swipes; \x0d\2。 The overpayment will be recovered free of charge; \x0d\3。 Only 3 yuan is needed to make up the statement; \x0d\4。 Send a copy of the insurance; \x0d\5。 There is a discount \x0d\ Disadvantages: \x0d\ 1. SMS service fee requires 3 yuan; \x0d\2。 The loss reporting fee is high in 85 yuan; \x0d\3。 Less outlets \x0d\x0d\ Shanghai Pudong Development Bank: \ x0d \ Advantages: \x0d\ 1, free of annual fee in the first year; \x0d\2。 Free SMS service fee; \x0d\3。 No loss reporting fee; \x0d\4。 Don't pay back the handling fee \x0d\ Disadvantages: \x0d\ 1. Whether to exempt the annual fee for the following year depends on the credit card records and repayment records; \x0d\2。 The handling fee for replacing damaged cards is high in 80 yuan; \x0d\3。 The withdrawal fee is 3% higher; \x0d\4。 Less outlets \x0d\ Shenzhen Development Bank: \x0d\ Advantages: \x0d\ 1, free of annual fee in the first year; \x0d\2。 Withdrawal fee1%; \x0d\3。 The loss reporting fee is in 50 yuan; \x0d\4。 Only 2 yuan \x0d\ is needed to supplement the handling fee of the statement. Disadvantages: \x0d\ 1. Only points can be exchanged for the annual fee of the following year, and some credit cards can be exchanged for the annual fee of the following year by swiping 12 times in the first year; \x0d\2。 Less outlets \x0d\x0d\ Minsheng Bank: \ x0d \ Advantages: \x0d\ 1, free of annual fee in the first year; \x0d\2。 Exempt from withdrawal fees; \x0d\3。 Don't pay more to get back the handling fee; \x0d\4。 Send aviation accident insurance and provide preferential on-site emergency assistance service for automobiles \x0d\ Disadvantages: \x0d\ 1. Most credit cards need to be swiped 8 times to avoid the annual fee of the following year, and some need to pay 160 yuan as the cost; \x0d\2。 SMS service fee is in 3 yuan; \x0d\3。 The loss reporting fee requires 80 yuan; \x0d\4。 Less outlets \x0d\ China Everbright Bank: \x0d\ Advantages: \x0d\ 1. Some cards are exempt from the annual fee in the first year, and the annual fee in the following year is exempted after three swipes; \x0d\2。 Withdrawal fee1%; \x0d\3。 Free SMS service fee; \x0d\4。 50 yuan is required to report the loss \x0d\ Disadvantages: \x0d\ 1. Some cards are only exempt from the annual fee for the first year, and some cards have to pay the annual fee for the first year; \x0d\2。 Fewer exits