Advantages: 1, there are many cooperative businesses, and related activities are very good. 2, the interest-free period is long, up to 56 days, only a few banks are like this. 3. There are more outlets than joint-stock banks, which is convenient for repayment and cash withdrawal.

Disadvantages: 1, the risk control is strict. If it is used to cash out, don't apply for a Bank of Communications credit card.

2, the installment fee is higher. The third installment fee is 0.93%, and the sixth installment fee is 0.80%.