Domestic credit card business is now booming, and it is easy to get one. In fact, credit cards are a good financial management tool when used reasonably. We will introduce them slowly in the future. The following is an introduction to the comparison of credit cards of various domestic banks in terms of business, customer service, limit, etc., and some experience in using them. I will use my own personal experience to tell you the advantages and disadvantages of each bank's credit cards: China Minsheng Bank Credit Card

Advantages: Points are of high value; installments do not account for the limit; Alipay is supported; the gold card has a lawyer who provides good service; the ID card is very personalized, but there is a card printing fee; there is no handling fee for cash withdrawals;

Disadvantages: outlets Few; online banking interface is old-fashioned;

Summary: Suitable for friends who value points. Industrial Bank Credit Card

Advantages: Supports "Tenpay" repayment; "Gold Card" can enjoy airport VIP lounge services;

Disadvantages: No 800 and 400 customer service; few outlets; Discriminates against agricultural registered permanent residents and men; does not support online shopping;

Summary: Suitable for friends who fly frequently and don’t want to pay the annual fee for a platinum card.

Customer service hotline: 95561 Guangdong Development Bank Credit Card

Advantages: 100% cash withdrawal after half a year of use; 56-day long interest-free period; "Bianxiangxing" installment starting point is low (Only 500 yuan); 48-hour card loss protection; supports Alipay;

Disadvantages: no 800 and 400 numbers, and customer service hotlines are set up by local branches; few outlets;

Summary: Suitable for friends who like full cash withdrawal and low starting point installment. CITIC Bank Credit Card

Advantages: The installment limit is relatively high (up to 5 times) and does not account for the limit; supports Alipay; has 800 toll-free numbers;

Disadvantages: few outlets; customer service attitude General;

Summary: Suitable for friends who need to cash out in installments, buy electrical appliances from Gome or Suning, and often travel abroad. Shenzhen Development Bank Credit Card

Advantages: Basically useless, there is a "Walmart Imagine Card" that I think is okay; international and domestic cards have separate credit limits;

Disadvantages: few outlets; customer service phone number I can treat you to a meal if you can get through to the human service within half an hour. The Wal-Mart Imagine Card hotline at 400-688-6888 is relatively easy to get through; there are no 800 numbers; the credit limit is generally low;

Summary: Suitable for frequent visits to Wal-Mart Shopping friends. Bank of Communications Credit Card

Advantages: 56-day long interest-free period; YP card allows 100% cash withdrawal; supports Alipay;

Disadvantages: no 400 number; installment operation is cumbersome; each Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated; points are not permanently valid;

Summary: If you often buy home appliances, the "Suning Card" is not bad, with double Suning points. Bank of China Credit Card

Advantages: There is a personal photo on the back of the credit card, which reduces the risk of fraudulent use; it started issuing cards in 1985 and is the earliest credit card issuer in China;

Disadvantages: Cancellation of account You have to go to a business outlet; the limit is low (a common problem of state-owned banks); 800 is only for Great Wall International cards; Alipay is not supported;

Summary: Olympic cards are suitable for collection. Shanghai Pudong Development Bank Credit Card

Advantages: The gold card can enjoy the special merchant services of "Citibank CITI BANK" overseas; photos can be printed;

Disadvantages: No 400 phone number; consumption is required A certain amount of money can be used to waive the annual fee (regular card spends 2,000 a year, gold card 5,000); there are few outlets;

Summary: I feel that each Pufa card has a more fashionable appearance and is suitable for collection. China Merchants Bank Credit Card

Advantages: Points are permanently valid, and there are often value-for-money group purchase products. Except for the following "disadvantages", everything else is good;

Disadvantages: Points policy is very inhumane (20 yuan earns one point, not counting zero); the interest-free period is the shortest among all card issuers, and the shortest is 18 days;

Summary: Suitable for friends who value service more than points; I strongly recommend it.

China Construction Bank Credit Card

Advantages: many network points; compared with the other three state-owned banks, the application threshold is lower;

Disadvantages: no 400 number; the limit is generally low and the limit increase is slow ;Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated;

Summary: Suitable for friends who do not have a local joint-stock commercial bank.

China Everbright Bank Credit Card

Advantages: The annual fee is waived if you swipe it 3 times; the Fuka small card can be automatically divided into 12 installments (of course there is a handling fee)

< p>Disadvantages: No 800 number; 8 yuan points for one point, points cannot be exchanged for gifts yet; few outlets; people with many cards (more than 6 bank credit cards) are basically not approved;

Summary: Suitable For collection purposes.

Agricultural Bank of China Credit Card

Advantages: many network points; 56-day long interest-free period;

Disadvantages: no 400 number; the limit is generally low; I feel that this bank does not attach much importance to the credit card business;

Summary: It is suitable for friends who do not have joint-stock commercial banks in the local area. ICBC Credit Card

Advantages: There are more than 30,000 outlets across the country, making it the bank with the most outlets in China; it supports Alipay and can have unlimited limits;

Disadvantages: It is so big The bank actually does not have an 800 number, and the 400 number is not open to individual users; the service is poor; the credit limit is low; you have to go to an outlet to cancel your account;

Summary: Suitable for friends who do not have a local joint-stock commercial bank.