Advantages: You can avoid the annual fee if you brush it for 3 times, and Xiaofuka can be automatically divided into 12 periods (of course, there is a handling fee).

Disadvantages: there is no 800 phone calls, 8 yuan for an integral, and the integral cannot be exchanged at present. There are few outlets, and people with more than 6 bank credit cards are basically not approved.

Summary: the annual fee-free policy is an important feature, which is suitable for friends who don't want to pay annual fees.

Bank of Communications Credit Card:

Advantages: low application threshold, quick withdrawal, long interest-free period of 56 days, 100% withdrawal, support for AliPay, and online payment limit of 10000 yuan.

Disadvantages: the installment operation is complicated, each card needs to be repaid separately, the total consumption of all cards will not be automatically counted, and the points are not permanently valid.

Summary: If you often buy home appliances, the "Suning Card" is not bad, double Suning points.

Guangfa Credit Card:

Advantages: after half a year, you can withdraw cash at 100%, with an interest-free period of 56 days. The installment starting point of "Everything Bank" is low (as long as it is in 500 yuan), and it has a 48-hour card loss guarantee, which supports Alipay.

Disadvantages: there are no 800 or 400 telephones, and the customer service telephones are set by branches all over the country, with few outlets.

Summary: suitable for friends who like to withdraw cash in full and stage at a low starting point.

The above is an introduction to the advantages and disadvantages of these three banks. I believe many friends have chosen credit cards that suit their needs.