Currently, credit cards have become very popular, especially for office workers. Almost everyone has one or more credit cards. The benefits of credit cards are self-evident. They allow us to consume first and repay later, and we can also get many business benefits.

1. China Construction Bank Credit Card

Several credit cards of China Construction Bank are good, especially the Platinum Card of China Construction Bank. CCB also launched a charity credit card jointly with the Red Cross. Just make a donation as long as you spend money, and this card has no annual fee. In addition, China Construction Bank is the earliest car co-branded card in China. It offers certain discounts on car washes or refueling. Many credit cards have learned about it from now on.

CCB’s Platinum Card has a high limit, relatively easy approval, and better services. For the entry-level platinum card, CCB waives the annual fee and has some additional services, which you can check on the official website.

Two. Industrial and Commercial Bank of China Credit Card

Needless to say the strength, ICBC, with a state-owned background and a big brother in the banking industry, was the first to use 2.0 chip cards, which greatly enhanced the security of payment. However, ICBC has very strict risk control, and many people just apply for cards with very low limits. Some netizens even said that they didn’t even have enough money for a meal.

You don’t have to worry about this. ICBC's risk control is relatively conservative, but ICBC's credit card has two major advantages:

1. If you deposit money into your ICBC credit card and exceed the limit, this part of the money will be an overpayment. There are no fees for reuse and withdrawal. Other banks do not have this benefit. As long as your money is put into your credit card, there will be a handling fee when you take it out;

2. As long as you frequently swipe your card for consumption, the amount will increase quickly, but the overall increase will not be much.

As for ICBC’s shortcomings, it is probably in service. It is estimated that this can be achieved by going to the counter to do business.

Three. Bank of China

I have never used a Bank of China credit card, so I don’t have much say, but state-owned banks all have serious problems, as you know. However, a friend has used a Bank of China credit card and said it is not bad and is a fairly standard type.

Four. China Merchants Bank Credit Card

I think the advantages of China Merchants Bank mainly include the following six points:

1. Ordinary credit card and gold card users can enjoy many preferential activities, such as 50% off on movies and Wednesday food Half price etc. I feel that the quality of merchants that cooperate with China Merchants Bank is higher;

2. CMB credit cards are very convenient for overseas consumption, and the experience of using cards overseas is very good;

3. CMB’s credit cards often launch some New varieties, especially theme cards for young people, such as One Piece, etc.;

5. CMB’s credit card network is powerful, and mobile payment is also the future development direction of CMB;

6. The services on China Merchants Bank's platinum cards, such as the Centurion series, are really attractive to people. Just looking at that card gives me the desire to spend. Platinum card services such as free golf and airport VIP are very practical. Platinum cards also provide some very attractive services on a regular basis, such as eating three Michelin stars, going to Antarctica, crossing the desert, etc., and you can stay in top hotels at the best prices. These are just not cool.

Of course, China Merchants Bank’s credit card also has some shortcomings, such as the credit card mall is not doing well, it is too difficult to save points, etc. But the flaws are not hidden. Overall, China Merchants Bank’s credit card is worth applying for.

In short, each bank has its own advantages and disadvantages. We need to make decisions based on our own circumstances. The above information is for reference only. Related questions and answers: