The credit card application process is free. The formal application process does not require any handling fees. Now major banks are striving for more credit card market share and there is no charge for applying for a credit card. \x0d\\x0d\Comprehensive inventory of credit cards from various banks around you\x0d\\x0d\Four major state-owned commercial banks: \x0d\China Construction Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year, no fee for three purchases Annual fee for the following year; \x0d\2. Free SMS service; \x0d\3. Cash withdrawal fee is only 0.5; \x0d\4. Handling fee for reporting loss is 50 yuan; \x0d\5. There are credit cards directly targeted at car owners, as long as Cars with a displacement of 1.4 or above can easily apply for the card.

\x0d\Disadvantages: The gifts that points can be exchanged for are few and poor\x0d\\x0d\Bank of China: \x0d\Advantages: \x0d\1. No annual fee for the first year, and no annual fee for the next year if you use it five times; \x0d \2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 1 yuan; \x0d\4. The loss reporting fee is only 40 yuan\x0d\ Disadvantages: high points are required to exchange gifts, and there are few types of gifts\x0d\\x0d\ Industrial and Commercial Bank of China: \x0d\Advantages: \x0d\1. The annual fee for the year is waived if you swipe the American Express card 5 times a year or spend 5,000 yuan, or exchange 2,000 points for the annual annual fee for RMB ordinary cards; \x0d\2. Free cash withdrawal fees ; \x0d\3. There is no handling fee for overpayment redemption; \x0d\4. It only costs 20 yuan to report a loss; \x0d\5. Many outlets\x0d\Disadvantages: \x0d\1. SMS service fee is 2 yuan/month ; \x0d\2. The points required to redeem gifts are high and the types of gifts are small\x0d\\x0d\Agricultural Bank of China: \x0d\Advantages: \x0d\1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; \x0d\2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 1 yuan; \x0d\4. The loss reporting fee is only 50 yuan; \x0d\5. There are many outlets\x0d\ Disadvantages: 1. Few types of credit cards ; 2. The card application procedures are relatively cumbersome; 3. Few points can be exchanged for gifts\x0d\\x0d\China Merchants Bank: \x0d\Advantages: \x0d\1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it six times; \x0d\2. SMS service is free; \x0d\3. Loss report handling fee is 60 yuan; \x0d\4. Points gifts are better\x0d\Disadvantages: \x0d\1. Cash withdrawal fee is high and requires 3 yuan; \x0d\2 , Fewer branches\x0d\\x0d\CITIC Bank: \x0d\Advantages: \x0d\1. Swipe the card once within one month after issuance to waive the first-year annual fee, and swipe the card five times to waive the annual fee for the next year; \x0d\2. SMS service is free; \x0d\3. Free accident insurance\x0d\ Disadvantages: \x0d\1. Cash withdrawal fee is high and requires RMB 30; \x0d\2. Few outlets; \x0d\3. Loss reporting fee is high and requires RMB 80 Yuan; \x0d\4. There are many gifts but the required points are higher\x0d\\x0d\Industrial Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year, swipe five times or spend 3,000 for the next year. fee; \x0d\2. It costs 50 yuan to report a loss\x0d\ Disadvantages: \x0d\1. SMS service fee is 3 yuan/month; \x0d\2. High cash withdrawal fee of 3 yuan; \x0d\3. Few outlets\x0d \\x0d\Bank of Communications: \x0d\Advantages: \x0d\1. First-year annual fee is waived. Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times to waive the next year's annual fee; \x0d\2 , SMS service is free; \x0d\3. The cash withdrawal fee is only 1 yuan; \x0d\4. It costs 50 yuan to report a loss; \x0d\5. There are more outlets than other non-state-owned commercial banks; \x0d\6. Points can be redeemed There are many gifts\x0d\Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average\x0d\Guangfa Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year, and you can use six The annual fee for the next year is waived for the first time; \x0d\2. There is no handling fee for overpayment redemption; \x0d\3. It only costs 3 yuan to make a replacement statement; \x0d\4. A copy of insurance is provided; \x0d\5 , There are discounts for card application\x0d\ Disadvantages: \x0d\1. The SMS service fee is 3 yuan; \x0d\2. The loss reporting fee is high and requires 85 yuan; \x0d\3. Few branches\x0d\\x0d\ Pudong Development Bank : \x0d\Advantages: \x0d\1. No annual fee for the first year; \x0d\2. No SMS service fee; \x0d\3. No handling fee for reporting loss; \x0d\4. No handling fee for overpayment recovery \x0d\Disadvantages: \x0d\1. The annual fee for the following year will be exempted based on the card swiping record and repayment record; \x0d\2. The handling fee for replacing a damaged card is 80 yuan; \x0d\3

, high cash withdrawal fee of 3; \x0d\4, few branches\x0d\Shenzhen Development Bank: \x0d\ Advantages: \x0d\1. No annual fee for the first year; \x0d\2. Cash withdrawal fee of 1; \x0d \3. The handling fee for reporting a loss is 50 yuan; \x0d\4. The handling fee for making a replacement statement is only 2 yuan\x0d\ Disadvantages: \x0d\1. Points can only be exchanged for the annual fee for the following year, and some credit cards can be used in the first year It takes 12 times to exchange for the next annual fee; \x0d\2. Fewer branches\x0d\\x0d\Minsheng Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year; \x0d\2. No cash withdrawal fee ; \x0d\3. No handling fee for overpayment; \x0d\4. Airline accident insurance and discounted car on-site emergency assistance service \x0d\ Disadvantages: \x0d\1. Most credit cards require 8 swipes. The annual fee for the next year is waived, and some require a production fee of 160 yuan; \x0d\2. The SMS service fee is 3 yuan; \x0d\3. The loss report handling fee is 80 yuan; \x0d\4. Few branches\x0d\ Everbright Bank: \x0d\Advantages: \x0d\1. The first-year annual fee is waived for some cards, and the annual fee for the next year is waived if you swipe it three times; \x0d\2. Cash withdrawal fee is 1; \x0d\3. No SMS service fee; \x0d\4 . It costs 50 yuan to report a loss\x0d\Disadvantages: \x0d\1. Some cards are only exempt from the first-year annual fee, and some cards require a first-year annual fee; \x0d\2. Few outlets