The poster is very happy to answer your questions, I personally think so! China Merchants Bank is more considerate. Let me first tell you the advantages and disadvantages of these two banks!

Disadvantages: 1. There is no SMS reminder when repaying the Bank of Communications credit card, and you have to wait until the next day to see the money being credited to your account.

2. Bank of Communications said that its credit card has a longest interest-free period of 56 days, which is the longest interest-free period for domestic credit cards. As for the specific algorithm, to be honest, I still don’t understand it.

3. Indeed, if you want to handle various services, you will receive text messages on your mobile phone reminding you that you need to activate the Four Seasons Worry-free service, which costs four yuan a month. Open for at least one quarter at a time.

The reason why this service is charged is because Bank of Communications declares that once the credit card is lost and reported as lost within 24 hours, Bank of Communications will be responsible for any consumption on the card. Kind of like insurance.

Advantages: Bank of Communications has many branches. After all, it is an old bank. Repayment is convenient. Bank of Communications credit card points are one point per dollar. If you spend a lot, you can exchange for air tickets.

Some people question that CMB’s 20 yuan to earn one point is too harsh, but it is not. Bank of Communications has higher points, but it also requires more points when exchanging gifts, while China Merchants Bank has less points, but it can be exchanged for hundreds of points or even dozens of points during events. If you look at it in terms of points, what China Merchants Bank has done is not excessive.

As for China Merchants Bank, the service attitude is good. As a private bank that has only developed in recent years, it has been eliminated long ago due to its poor attitude. How can it survive to such a large scale today? !

The repayment is done by China Merchants Bank, the first step is to deposit the money, and the second step is to send a text message immediately. No money is spent.

Alas! My application for China Merchants Bank credit card was not successful! Sigh...

The bill is clear and easy to understand. Very good~ The disadvantage is that taking my city as an example, there are relatively few business outlets. It is recommended that the building host China Merchants Bank!