The main thing is to see which bank’s credit card is more convenient to apply for locally and has more branches. Then choose the credit card that suits you based on your actual conditions.

Which credit card is better depends on personal needs. Comparison of credit cards from major banks:

1. China Construction Bank

Advantages: 1. Free of charge for the first year If you swipe three times, the next annual fee will be waived; 2. The SMS service is free; 3. The cash withdrawal fee is only 0.5; 4. The loss reporting fee is 50 yuan; 5. There are credit cards directly targeted at car owners, as long as they have a car with a displacement of 1.4 or more You can apply for a card easily.

Disadvantages: The gifts that points can be exchanged for are few and poor.

2. Bank of China

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1 ; 4. The handling fee for reporting a loss is only 40 yuan.

Disadvantages: The points required to exchange gifts are high and the types of gifts are small.

3. Industrial and Commercial Bank of China

Advantages: 1. The annual fee for the year is waived when swiping the American Express card 5 times a year or spending 5,000 yuan, or you can exchange 2,000 points for the annual fee for a RMB card; 2. There is no handling fee for cash withdrawal; 3. There is no handling fee for claiming overpayment; 4. It only costs 20 yuan to report a loss; 5. There are many outlets.

Disadvantages: The SMS service fee is 2 yuan/month; the points required to redeem gifts are high and the types of gifts are small.

IV. Agricultural Bank of China

Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1 ; 4. The handling fee for reporting a loss is only 50 yuan; 5. There are many outlets.

Disadvantages: Few types of credit cards; card application procedures are relatively cumbersome; few points can be redeemed for gifts.

5. China Merchants Bank

Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you swipe six times; 2. Free SMS service; 3. The loss reporting fee is 60 yuan ; 4. Points gifts are better.

Disadvantages: high cash withdrawal fee of 3; fewer outlets.

6. China CITIC Bank

Advantages: 1. The first-year annual fee is waived if you swipe the card once within one month after issuance, and the next annual fee is waived if you swipe the card five times; 2. The SMS service is free; 3. Get an accident insurance policy.

Disadvantages: high cash withdrawal fee of RMB 3; few outlets; high loss reporting fee of RMB 80; many gifts but higher points required.

7. Industrial Bank

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times or spend 3,000; 2. It only costs 50 yuan to report a loss.

Disadvantages: SMS service fee is 3 yuan/month; high cash withdrawal fee of 3 yuan; few branches

8. Bank of Communications

Advantages: 1. No down payment required There is an annual fee. If you swipe the Y-POWER card three times, you will be exempted from the annual fee for the next year. If you swipe the other cards six times, you will be exempted from the annual fee. 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. It costs 50 yuan to report a loss; 5 , more outlets than other non-state-owned commercial banks; 6. Points can be redeemed for more gifts.

Disadvantages: I haven’t noticed it yet, but the overall evaluation given by those who use Bank of Communications credit cards is average.

9. Shanghai Pudong Development Bank

Advantages: 1. No annual fee for the first year; 2. No SMS service fee; 3. No handling fee for reporting loss; 4. No refund of overpayment. Handling fee.

Disadvantages: 1. The annual fee for the following year will be exempted based on the card swiping record and repayment record; 2. The handling fee for replacing a damaged card is 80 yuan; 3. The cash withdrawal handling fee is 3; 4. Few outlets.

10. Shenzhen Development Bank

Advantages: 1. First-year annual fee waived; 2. Cash withdrawal handling fee 1; 3. Loss reporting handling fee 50 yuan; 4. Replacement reconciliation The single handling fee is only 2 yuan.

Disadvantages: Points can only be used to exchange for the next year's annual fee. Some credit cards can only be redeemed for the next year's annual fee by swiping 12 times in the first year; there are few outlets.