China Construction Bank Credit Card

Advantages: Many network points; compared with the other three state-owned banks, the application threshold is lower; the cash withdrawal fee is low (0.5%), and the overdraft cash withdrawal support is the lowest Repayment

Disadvantages: The limit is generally low and the limit increase is slow; each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated;

Summary: Suitable for the local area No friends from joint-stock commercial banks.

Customer service hotline: 800-820-0588

ICBC Credit Card

Advantages: There are more than 30,000 outlets across the country, making it the bank with the most outlets in China. ; Supports Alipay, and can have unlimited limits; no handling fees for local cash withdrawals (my favorite); international cards of different brands have independent limits;

Disadvantages: the application threshold is too high, the limit is too low; service attitude It's a shame (especially the branches) that such a big bank doesn't have an 800 number, and the 400 number is not open to individual users;

Summary: It is suitable for friends who do not have joint-stock commercial banks in the local area and who often like to overdraft and withdraw cash.

Customer service hotline: 95588