Disadvantages: only the system can take the initiative to raise the amount, but it can't apply for the amount, and it can't be manually intervened; There is a SMS reminder fee; The withdrawal fee is very expensive; Full penalty interest; The risk control is strict, and it is easy to seal the card in violation of regulations, which affects the credit information.

The steps to apply for Bank of Communications credit card online are as follows:

Search online for Bank of Communications credit card, and click to enter the website; Click "Credit Card Application" → "I want to apply for a card" in the menu bar above; After the page jumps, fill in the name, city, ID card and other information. According to the page requirements, check the box below and click the "Confirm the above information" button; Then fill in the mobile phone number and verification code and click "Next"; Jump to the page again, improve the basic information, and then click "Next" to complete the three steps of "Work and Other Information", "Optional Service Items" and "Preview and Finish" in turn, and the credit card application is completed.