The same is true of interest, which is five ten thousandths, as stipulated by the central bank.

The following is a comparison between Minsheng and Guangfa Credit Card. Personal usage is different, which is suitable for your own use.

Advantages of Guangfa Bank:

1, the annual fee is free in the first year, and the annual fee is free in the second year after brushing for 6 times;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send a copy of the insurance;

Disadvantages:

1, the SMS service fee needs 3 yuan;

2. Report the loss of 85 yuan;

3. Less exports

Advantages of Minsheng Bank:

1, free of annual fee for the first year;

2. Free cash withdrawal fee;

3. Don't pay back the handling fee;

4. Send aviation accident insurance and provide on-site emergency assistance services for discount cars.

Disadvantages:

1, most credit cards need to be swiped 8 times to avoid the annual fee for the following year, and some need to pay 160 yuan;

2. SMS service fee 3 yuan;

3. The loss reporting fee requires 80 yuan;

4. Less exports