The advantages of the Bank of Communications Suning Credit Card are: it provides a wealth of discounts and benefits, including discounts on shopping, travel, dining, etc.; it can be used for online payment using the Bank of Communications App; it can be made at more than 34,000 branches across the country. Pay quickly. The disadvantages of Suning Credit Card are: the annual fee is high (generally between 500-800 yuan); only some merchants can use this card for payment.