1) China Merchants Bank Credit Card
Advantages: the bid threshold is extremely low, and the points are permanently valid; Online banking is powerful and easy to operate, supporting Alipay; There are often value-for-money group purchases, with many activities and many tricks; The one-card function is good, and all aspects of financial management are also good; All cards are combined into one (convenient for repayment), with many kinds of cards and beautiful pattern design.
Disadvantages: the integral policy is inhuman (20 yuan scores one point, not zero); The interest-free period is the shortest among all issuers, the shortest 18 days; One-in-one (inflexible) Online payment limit for all cards is too low (500 yuan)
Summary: suitable for friends who value service but ignore points. Customer service telephone number: 800-820-555595555
2) Bank of Communications Credit Card
Advantages: low application threshold and quick withdrawal; 56 days long interest-free period; YP card can be withdrawn at 100%; Support Alipay, and the online payment limit is high (10000 yuan);
Disadvantages: the staging operation is cumbersome; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; (very inhuman, very unreasonable, strongly despised, resolutely resisted) points are not permanently valid;
Summary: If you often buy home appliances, the "Suning Card" is not bad, double Suning points. Customer service telephone number: 800-988-888895559
3) China Industrial and Commercial Bank Credit Card
Advantages: There are more than 30,000 outlets in China, which is the bank with the largest number of outlets in China at present; Support Alipay, which can be unlimited; There is no handling fee for local cash withdrawal (my favorite); Different brands of international cards have independent quotas;
Disadvantages: the bidding threshold is too high and the quota is too low; Poor service attitude (especially in branches), such a large bank actually does not have 800 telephones, and 400 telephones are not open to individual users;
Summary: It is suitable for local commercial banks without joint-stock system and friends who often like to withdraw cash from overdrafts. Customer service telephone number: 95588
4) China Construction Bank Credit Card
Advantages: more outlets; Compared with the other three major state-owned banks, the application threshold is lower; The withdrawal fee is low (0.5%), and overdraft withdrawal supports the minimum repayment.
Disadvantages: the quantity is generally low and the quantity is slow; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;
Summary: Suitable for friends who don't have local joint-stock commercial banks. Customer service telephone number: 800-820-0588
5) China Bank Credit Card
Advantages: 1985. It is the earliest credit card issuing bank in China. Overdraft withdrawal points;
Disadvantages: account cancellation has to go to business outlets; Low quota (common fault of state-owned banks); 800 only for Great Wall International Card; Alipay is not supported; The minimum repayment amount is not supported for overdraft withdrawal;
Conclusion: Olympic cards are suitable for collection. Customer service telephone number: 400-669-5566800-820-5288 (international card) 95566.
6) Credit card of Agricultural Bank of China
Advantages: more outlets; Convenient repayment, support for agreed automatic deduction, 56 days long interest-free period; There are credit card customers, business travel and professional services.
Disadvantages: the application threshold is relatively high (but because of this, the gold content of ABC credit card customers has been improved from another angle)
Summary: Customer service telephone number suitable for customers with superior card handling conditions: 800-8 19-559995599 ABC Credit Card Customer Business Travel Service Hotline: 4008202580.
7) Shanghai Pudong Development Bank Credit Card
Advantages: Gold card can enjoy the service of "CITIBANK" special merchants abroad; You can print photos; Gifts given at the event are of high value;
Disadvantages: few outlets; The bidding threshold is high; You have to spend a certain amount to avoid the annual fee (ordinary card 2000, gold card 5000); Overdraft withdrawal fee is high (3%, minimum 30 yuan).
Summary: I feel that the appearance of each card in Pufa is very fashionable and suitable for collection. Customer service telephone number: 800-820-878895528
8) China Minsheng Bank Credit Card
Advantages: high integral value; No quota by stages; It's not bad that the gold card has lawyer service; There are also business travel reservations (hotels and restaurants) that are also good; ID card is very private, that is, it needs business card printing fee; There is no handling fee for withdrawal;
Disadvantages: few outlets; Support Alipay, not more than 1000 each time and not more than 5000 every day;
Summary: Suitable for friends who value points. Applying for a gold card is simple and convenient. Customer service telephone number: 95568800-8 10-8008.
9) Industrial Bank Credit Card
Advantages: support "Tenpay" repayment; "Golden Card" can enjoy the VIP room service at the airport;
Disadvantages: no 800 and 400 customer service; Less outlets; Discrimination against agricultural registered permanent residence and men; Online shopping is not supported;
Summary: Suitable for friends who often fly and don't want to pay the annual fee of platinum card. Customer service telephone number: 9556 1
10) CGB Credit Card
Advantages: Cash withdrawal can be 100% after half a year; 56 days long interest-free period; The starting point of "everything" is low (as long as 500 yuan); There is a 48-hour card loss guarantee; Support AliPay;
Disadvantages: there are no 800 or 400 telephones, and customer service telephones are set by local branches; Less outlets;
Summary: suitable for friends who like to withdraw cash in full and stage at a low starting point. Customer service telephone number: 95508
1 1) CITIC Bank Credit Card
Advantages: easy to smear; There are 400 telephones; The installment amount is relatively high (up to 5 times), which does not account for the amount; Support AliPay; The operation and interface of online banking are very simple and convenient.
Disadvantages: few outlets; Customer service attitude is average; Don't forget to pay back the money. You owe 30 yuan once!
Summary: It is suitable for friends who need to cash in by stages, buy electrical appliances in Gome and Suning, and often travel abroad. Customer service telephone number: 40088-9555895558
12) SDB Credit Card
Advantages: basically useless, it feels ok to have a "Wal-Mart Imagination Card"; The quotas of international cards and domestic cards are separate;
Disadvantages: the quota is generally low; Less outlets; No 800 calls; The customer service phone can be connected to the manual service in half an hour. I invite you to dinner. Wal-Mart Imagination Card Line 400-688-6888 is easier to connect.
Summary: Suitable for friends who often go shopping at Wal-Mart. Customer service telephone number: 9550 1
13) China everbright bank credit card
Advantages: you can avoid the annual fee by brushing for 3 times; Foca small cards can be automatically divided into 12 periods (of course, there is a handling fee)
Disadvantages: no 800 calls; 8 yuan has accumulated one point, and the points cannot be exchanged for gifts at present; Less outlets; People with more than six bank credit cards are basically not approved;
Summary: Suitable for collection. Customer service telephone number: 95595