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Comparison of credit cards from various banks

China Minsheng Bank

Advantages: The value of points is high; installments do not account for the quota; the gold card has a lawyer who provides good service; the ID card is very personalized, but there is a card printing fee; cash withdrawals No handling fee;

Disadvantages: few branches; does not support Alipay; online banking interface is old-fashioned;

Summary: suitable for friends who value points;

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Industrial Bank

Advantages: Supports “Tenpay” repayment; “Gold Card” can enjoy airport VIP lounge services;

Disadvantages: no 800-400 customer service; few outlets; discrimination against agricultural household registration and men;

Summary: suitable for friends who fly frequently and do not want to pay the annual fee for platinum cards;

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Guangdong Development Bank

Advantages: 100% cash withdrawal after half a year; 56-day long interest-free period; “Everything works” The installment starting point is low (only 500); there is 48-hour card loss protection; Alipay is supported;

Disadvantages: There is no 800 or 400 phone number, and 95508 is set up by branches in various places; there are few outlets;

< p>Summary: Suitable for friends who like full cash withdrawals and low starting installments;

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Shenzhen Development Bank

Advantages: It’s basically useless, but there is a “Walmart Imagine Card” that I think is okay; international and domestic cards have separate limits;

Disadvantages: few outlets; 95501 can connect to human service in half an hour. I’ll treat you to dinner, Walmart Imagine The card hotline 400-688-6888 is relatively easy to get through; there is no 800 number; the credit limit is generally low;

Summary: Suitable for friends who often go to Wal-Mart for shopping

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Bank of Communications

Advantages: 56-day long interest-free period; 100% cash withdrawal with YP card; supports Alipay;

Disadvantages: There is no 400 number; the installment operation is cumbersome; each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated; points are not permanently valid;

Summary: If you often buy mobile phones, "Suning Card" is not bad, double Suning points;

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Bank of China

Advantages: There is a personal photo on the back of the credit card, which reduces The risk of being used fraudulently; it started issuing cards in 1985 and is the earliest credit card issuer in China;

Disadvantages: you have to go to a business branch to cancel your account; the limit is low (a common problem of state-owned banks); 800 is only for Great Wall International Card Use; Alipay is not supported;

Summary: Olympic cards are suitable for collection purposes

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Shanghai Pudong Development Bank

Advantages: The gold card can enjoy the special merchant services of "Citibank CITI BANK" overseas; you can print photos;

Disadvantages: No 400 phone number; you need to spend a certain amount of money to be exempted from the annual fee ( A regular card earns 2,000 a year, and a gold card earns 5,000); there are few outlets;

Summary: I feel that each Pufa card has a more fashionable appearance and is suitable for collection.

Use

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China Merchants Bank

Advantages: Except for the following “disadvantages”, everything else is good;

Disadvantages: The points policy is very inhumane; the interest-free period is the shortest among all card issuers, the shortest is 18 days;

Summary: Suitable for friends who value service more than points; I strongly recommend it ;

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China Construction Bank

Advantages: Many network points; compared with the other three state-owned banks, the application threshold is lower ;

Disadvantages: No 400 phone number; the limit is generally low and the limit increase is slow; each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

Summary: Suitable for friends who do not have local joint-stock commercial banks

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China Everbright Bank

Advantages: 3 brushes will save you a year fee; Fuka small card can be automatically divided into 12 installments (of course there is a handling fee)

Disadvantages: no 800 number; 8 yuan points for one point, points cannot be exchanged for gifts yet; few outlets; many cards People (with credit cards from more than 6 banks) are basically not approved;

Summary: Suitable for collection purposes

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China Agricultural Bank of China

Advantages: many network points; 56-day long interest-free period;

Disadvantages: no 400 number; credit limit is generally low; I feel that the bank does not attach great importance to the credit card business;

Summary: Suitable for friends who do not have joint-stock commercial banks in the local area;

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Industrial and Commercial Bank of China

Advantages: There are more than 30,000 branches across the country, making it the bank with the most branches in China; it supports Alipay and can be unlimited;

Disadvantages: Such a large bank does not have an 800 number, and 400 is not the right number. Open to individual users; poor service; low credit limit; you have to go to an outlet to cancel your account;

Summary: Suitable for friends who do not have local joint-stock commercial banks;