I. Credit Card of China Merchants Bank

Advantages:

1, the bid threshold is extremely low, and the points are permanently valid;

2. Online banking is powerful and easy to operate, supporting Alipay;

3. There are many kinds of cards with exquisite designs;

Disadvantages:

1, the integral insurance policy is not cost-effective, and every 20 yuan product 1 minute;

2. The interest-free period is the shortest among all issuers, with the shortest 18 days;

3. The online payment limit is too low (500 yuan).

2. Bank of Communications Credit Card

Advantages:

1, 56 days long interest-free period;

2.YP card can be fully withdrawn;

3. Support Alipay, and the online payment limit is high (10000 yuan);

Disadvantages:

1, complicated operation by stages;

2. Each card needs to be repaid separately;

3. Integral is not permanently valid;

3. China Industrial and Commercial Bank Credit Card

Advantages:

1, ICBC has the largest number of outlets in China;

2, you can use Alipay to repay, and there is no limit;

3. There is no handling fee for local cash withdrawal.

Disadvantages:

1, the bidding threshold is too high and the quota is too low;

2. Poor service attitude;

3. The customer service telephone service is very poor.

4. China Construction Bank Credit Card

Advantages:

1, the bank has many commercial outlets;

2. Compared with the other three major state-owned banks, the application threshold is lower;

3. The withdrawal fee is low (0.5%), and overdraft withdrawal supports the minimum repayment.

Disadvantages:

1, low line and slow withdrawal;

2. Each card needs to be repaid separately, which is slow;

Verb (abbreviation for verb) Bank of China credit card

Advantages:

1, sufficient credit card issuance experience and high service level;

2. Overdraft cash withdrawal can be counted as points;

Disadvantages:

1. The account cancellation must go to the business outlet;

2. Low quota;

3. Alipay repayment is not supported.