1. The interest-free period is different. The four major banks basically have a maximum of 56 days, while some small banks such as Shenzhen Development Bank and China Merchants only have a maximum of 50 days.
2. The redemption points for consumption are different. Some are 1 yuan and 1 point, some are 8 yuan and 1 point, and some are 10 yuan and 1 point. The number of points will affect the difference in how you redeem gifts. Of course, the contents of redeeming gifts vary from bank to bank.
3. The installment payment is different. At present, China Merchants and CITIC offer more installment payments, while the credit cards of the four major banks rarely cooperate with stores for this kind of business.
4. The services are different. Basically, every credit card has a 24-hour toll-free customer service hotline of 400 or 800, but ICBC still has 95588. The level of customer service is also uneven, with smaller banks worse.
5. Bank services are different. Credit card is a business of the bank. The convenience of handling other businesses also affects the convenience of using the credit card. For example, the four major banks have more outlets, so repayment is more convenient. Small banks There are few outlets and it is inconvenient.
6. The annual fees are different, some are 10 yuan and some are 20 yuan, but basically those who pay five or six times a year are exempted.
The difference between credit cards of major banks:
1. China Merchants Bank Credit Card
Advantages:
1. The application threshold is extremely low , points are permanently valid;
2. Online banking has strong functions, is easy to operate, and supports Alipay;
3. There are many types of cards and beautiful designs.
Disadvantages:
1. The points policy is not cost-effective, one point is earned for every 20 yuan;
2. The interest-free period is the shortest among all card issuers. The shortest is 18 days;
3. The online payment limit is too low (500 yuan).
2. Bank of Communications Credit Card
Advantages:
1. 56-day long interest-free period;
2. YP The card can be used to withdraw cash 100%;
3. It supports Alipay and has a high online payment limit (10,000 yuan).
Disadvantages:
1. The installment operation is relatively cumbersome;
2. Each card needs to be repaid separately;
3 , Points are not permanently valid;
3. Industrial and Commercial Bank of China Credit Card
Advantages:
1. ICBC is the bank with the most branches in China;
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2. You can use Alipay to repay, and there is no limit;
3. There is no handling fee for local cash withdrawals.
Disadvantages:
1. The application threshold is too high and the quota is too low;
2. The service attitude is poor;
3 , customer service phone service is poor.
4. China Construction Bank Credit Card
Advantages:
1. There are many bank commercial network points;
2. Comparatively The other three state-owned banks have lower application thresholds;
3. Cash withdrawal fees are low (0,5%), and overdraft cash withdrawals support minimum repayment.
Disadvantages:
1. The limit is low and the limit increase is slow;
2. Each card needs to be repaid separately, and the repayment is slow.
5. Bank of China Credit Card
Advantages:
1. Sufficient credit card issuance experience and high service standards;
2. Overdraft cash withdrawals can be counted as points.
Disadvantages:
1. You have to go to a business outlet to cancel your account;
2. The quota is low;
3. Support Alipay repayment.