Advantages:
1, the bid threshold is extremely low, and the points are permanently valid;
2. Online banking is powerful and easy to operate, supporting Alipay;
3. There are often value-for-money group purchases, with many activities and many tricks;
4, the card function is good, and all aspects of financial management are good;
5. All cards are combined into one bill (easy to repay);
6. There are many kinds of cards with exquisite designs;
7. Free annual fee for the first year. Brush six times a year, free of the annual fee of the following year;
8. There is no limit to the amount of credit card swiping each time, which is easy to realize and basically has no cost;
9. Within 48 hours of reporting the loss of the credit card, China Merchants Bank will report the loss and bear the loss reporting expenses;
10, the circulation should be the largest among all bank credit cards. If so many people use it, it always has its advantages.
Disadvantages:
1, the integral policy is inhuman (20 yuan scores one point, not counting zero);
2. The interest-free period is the shortest among all issuers, with the shortest 18 days;
3. There is no SMS prompt for small consumption;
4. All cards are combined into one bill (inflexible);
5. The online payment limit is too low (500 yuan);
6. Without the password, many people feel unsafe. However, international standard credit cards also have no password signature.
Second, the advantages and disadvantages of Bank of Communications credit card
Advantages:
1, the application threshold is low, and the withdrawal amount is faster;
2, 56 days long interest-free period;
3. You can withdraw cash at 100%;
4.YP card can be fully withdrawn; The undergraduate course directly approves 5000 places;
5. Support Alipay, and the online payment limit is high (10000 yuan).
Disadvantages:
1, complicated operation by stages;
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;
3. Integral is not permanently valid;
4, SMS charges, use the card to pay 48 worry-free a year, dare to pay a small annual fee;
5, repayment is not very convenient, but it is better than China Bank, and it is generally paid by ATM;
6.YP card points are independently accounted for and cannot be converted into mileage.
Third, the advantages and disadvantages of Minsheng Bank credit card
Advantages:
1, high integral value;
2. Staging does not occupy the quota;
3. It's also good for a gold card to have a lawyer service;
4. Business travel reservations (hotels and restaurants) are quite good;
5, the ID card is very personalized, that is, it is necessary to pay the card fee;
6. There is no handling fee for withdrawal.
Disadvantages:
1, fewer outlets;
2. Support Alipay, not exceeding 1000 each time and not exceeding 5000 every day;
4. Guangdong Development Bank Credit Card
Advantages:
1, which can be withdrawn at 100% after half a year; 56 days long interest-free period;
2. The starting point of "Yangyang Tour" is low (only 5,000 yuan);
3. There is a 48-hour card loss guarantee;
4. Support Alipay;
Disadvantages:
1, there are no 800 or 400 telephones, and the customer service telephone numbers are set by local branches;
2. Less outlets;
Summary: suitable for friends who like to withdraw cash in full and stage at a low starting point.
Verb (abbreviation of verb) CITIC Bank credit card
Advantages:
1, the installment amount is relatively high (up to 5 times) and does not account for the amount;
2. Support Alipay;
3. There are 800 free telephones;
Disadvantages:
1, fewer outlets;
2, the customer service attitude is average;
Summary: It is suitable for friends who need to cash in by stages, buy electrical appliances in Gome and Yongning, and often travel abroad.
6. Ping An Bank Credit Card
Advantages:
1, basically useless, just have a "Wal-Mart Imagination Card".
2. The quotas of international cards and domestic cards should be separated.
Disadvantages:
1, the quota is generally low; Fewer exits
2800 mobile phones are not available.
3. The customer service phone can connect to the manual service in half an hour. I invite you to dinner. Wal-Mart Imagination Card 400-688-6888 is easier to connect.
Summary: Suitable for friends who often go shopping at Wal-Mart.