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the smaller the bank, the better the attitude of credit card customer service

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China Merchants Bank Credit Card

Advantages: 1. The application threshold is extremely low, and the points are permanently valid; 2. Online banking is powerful and easy to operate, and supports Alipay; 3. There are often value-for-money group purchases, and there are many activities and tricks; 6, the card function is good, and all aspects of financial management are also good; 7. All cards are combined into one bill (convenient repayment); 8. There are many kinds of cards and beautiful designs? .

Disadvantages: 1. The integral policy is very inhuman (2 yuan scores one point, regardless of zero); 2. The interest-free period is the shortest among all issuers, and the shortest is 18 days; 3. All cards are combined into one bill (inflexible); 4. The online payment limit is too low (5 yuan).

conclusion: suitable for friends who value service more than points.

Bank of Communications Credit Card

Advantages: 1. Low application threshold and fast withdrawal; ? 2, 56 days long interest-free period; 3. YP card can be fully withdrawn; 4. Support Alipay, with high online payment limit (1, yuan);

Disadvantages: 1. Staging operation is complicated; ? 2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; 3. The integral is not permanently valid;

Summary: If you buy household appliances frequently, the "Suning Card" is not bad, and you will get double Suning points.

ICBC credit card?

Advantages: 1. There are more than 3, outlets in China, making it the largest bank in China at present; 2. Support Alipay, and it can be unlimited; 3. There is no handling fee for local cash withdrawal (my favorite); 4. The international card quotas of different brands are independent;

Disadvantages: 1. The bid threshold is too high and the quota is too low; 2. Poor service attitude (especially in branches); 3. Such a big bank actually doesn't have 8 telephones, and 4 is not open to individual users;

conclusion: it is suitable for friends who have no local joint-stock commercial banks and often like to withdraw cash by overdraft.

CCB Credit Card

Advantages: 1. There are many business outlets; 2. Compared with the other three state-owned banks, the application threshold is lower; 3. The cash withdrawal fee is low (.5%), and overdraft cash withdrawal supports the minimum repayment.

Disadvantages: 1. The quota is generally low and the withdrawal is slow; 2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

conclusion: suitable for friends who don't have joint-stock commercial banks locally.

China Bank Credit Card

Advantages: 1. It started issuing cards in 1985 and is the earliest credit card issuer in China; 2, overdraft cash points;

Disadvantages: 1. The average user's credit limit is low, and the application threshold for high credit limit is high; 2, 8 only for Great Wall International Card; 3. Alipay is not supported; 4. The minimum repayment is not supported for overdraft withdrawal;

conclusion: Olympic cards are suitable for collection.

agricultural bank credit card

advantages: more network points; 56 days long interest-free period;

Disadvantages: the application threshold is high, the period is long, and the quota is generally low; I feel that the bank does not attach great importance to the credit card business;

conclusion: suitable for friends who don't have joint-stock commercial banks locally.

Shanghai Pudong Development Bank Credit Card

Advantages: 1. The gold card can enjoy the special merchant service of "CITI BANK" overseas; 2, you can print photos; 3. Gifts given at the event are of high value;

Disadvantages: 1. There are few outlets and the bid threshold is high; 2. You have to spend a certain amount to get rid of the annual fee (2, for Puka and 5, for Gold Card); 3. The overdraft withdrawal fee is high (3%, minimum 3 yuan).

conclusion: I feel that every card in Pufa is fashionable in appearance and suitable for collection.

Minsheng Bank Credit Card

Advantages: 1. The integral value is high, and it does not occupy the quota by stages; 2. It's not bad to have a lawyer service in the Golden Card; There are also business travel reservations (hotels and restaurants) that are quite good; 3, the ID card is very personal, that is, the business card printing fee; 4. There is no handling fee for cash withdrawal;

disadvantages: few dots; Support Alipay, no more than 1 each time and no more than 5 every day;

summary: suitable for friends who value points. It's easy and convenient to apply for a gold card.

industrial bank credit card

advantages: it supports "tenpay" repayment; The "Golden Card" can enjoy the VIP room service at the airport;

Disadvantages: no 8 and 4 customer service; Less outlets; Online shopping is not supported;

Advantages of Guangfa Bank Credit Card

1. You can withdraw 1% cash after half a year; 2, 56 days long interest-free period; The starting point of "everything" is low (as long as 5 yuan); 3. There is a 48-hour card loss guarantee; ? 4. Support Alipay;

Disadvantages: there are no 8 and 4 telephones, and the customer service telephones are set up by local branches; Less outlets; ?

conclusion: suitable for friends who like full cash withdrawal and low starting point installment.

citic bank credit card?

Advantages: 1. Easy to apply; There are 4 telephones; 2. The installment amount is relatively high (up to 5 times) and does not account for the amount; 3. Support Alipay; The operation and interface of online banking are very simple and convenient.

disadvantages: few dots; Customer service attitude is average; Don't forget to pay back. You owe 3 yuan at a time.

conclusion: it is suitable for friends who need to cash out by stages, buy electrical appliances in Gome and Suning and travel abroad frequently.

Shenfa Bank Credit Card

Advantages: It's basically useless, just a "Wal-Mart Imagination Card" feels ok; The quota of international cards and domestic cards is separated;

Disadvantages: 1. The quota is generally low; Less outlets; 2. There are no 8 telephones; Customer service telephone manual service is difficult to connect;

conclusion: suitable for friends who often go shopping at wal-mart.

Everbright Bank Credit Card

Advantages: You can avoid the annual fee by swiping it for 3 times; Foca small card can be automatically divided into 12 periods (of course, there is a handling fee);

Disadvantages: 1. No 8 telephone; 8 yuan accumulates one point, and the points cannot be exchanged for gifts at present; 2. Less outlets; People with more than six bank credit cards are basically not approved; ?