Advantages:

1. The application threshold is extremely low, and the points are permanently valid

2. Online banking is powerful, easy to operate, and supports Alipay

3. There are often value-for-money group buying products, and there are many activities and tricks

4. The one-card function is good, and financial management is also good

5. All cards are combined into one bill (also Convenient)

6. There are many types of cards and the designs are beautiful

Disadvantages:

1. The points policy is very inhumane (20 yuan points for one point, no counting Zero)

2. The interest-free period is the shortest among all card issuers, the shortest is 18 days

3. All cards are combined into one bill (not flexible)

4 .The online payment limit is too low (500 yuan)

The basic functions of credit cards are the same, such as credit card consumption and online payment. CMB will launch different offers and promotions for different credit cards from time to time. Since personal preferences and needs are different, everyone can choose according to their own preferences. It depends on where it is consumed. If you need to spend money abroad, you can use a credit card with the Visa or Master logo. If you only consume domestically, you can apply for a UnionPay credit card. If you prefer credit card points and are a young person, you can choose to apply for a Youth Card (Youth Edition). This credit card doubles the points in the birthday month, and the first cash withdrawal of each month is free of charge. If you travel frequently, you can choose to apply for an airline brand card or Ctrip card. There are discounts for flying. If you have a car, you can apply for a car card. There are many of these. CMB can basically meet the needs of all types of customers.

1. China Merchants Bank has successively launched innovative special products such as fan cards, airline cards, department cards, business cards, platinum cards, and unlimited cards, which have been widely praised by the market. China Merchants Bank’s credit cards have won numerous awards. It has been on the list for five consecutive years.

2. Hurun Wealth has become the "most favored bank credit card" among Chinese millionaires, and has won the "Best User Experience Award" and "Cardholders' Most Favorite Credit Card" in various selections many times. Awards, and won the "No. 1 Five-Star Customer Service Center in China" and has been awarded "Best Customer Service in the Asia-Pacific Region" and "Best Service Center in the World" by authoritative domestic and foreign industry organizations many times.

3. At the same time, with its excellent credit card expansion and business strategy, it was successfully selected into the "Harvard Business School MBA Teaching Case". The basic functions of credit cards are the same, including credit card consumption, online payment, etc. Our bank will launch different offers and promotions for different credit cards from time to time. Since personal preferences vary, it is recommended that you choose according to your own preferences.