Advantages: the first point is that there will be no annual fee in the first year of handling credit cards. From the second year, you can avoid the annual fee as long as you swipe your card more than three times. Other banks require cardholders to spend more than 6 times. In addition, the Foca card can be automatically divided into 12 periods, and a certain handling fee is charged. In addition, the website of China Everbright Bank can also realize the function of transfer and repayment, which is very fast and convenient.
Disadvantages: Everbright Bank's credit card does not have an 800 service number. Although there are credit card points, at present, the points cannot be exchanged for gifts. Needless to say, service outlets are not allowed to handle too many (more than 6) credit cards of other banks at the same time. And even if the application is successful, it is difficult to increase the use of credit cards.
Combining these advantages and disadvantages, I believe you have a certain understanding of the advantages and disadvantages of Everbright Bank's credit card. I hope my answer can help you.