Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send a copy of the insurance;

5. There is a discount for getting a card.

Disadvantages:

1, the SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less exports

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.