Advantages: high integral value; No quota by stages; Support AliPay; It's not bad that the gold card has lawyer service; ID card is very private, that is, it needs business card printing fee; There is no handling fee for withdrawal;

Disadvantages: few outlets; The interface of online banking is relatively rigid;

Summary: Suitable for friends who value points.

Industrial bank credit card

Advantages: support "Tenpay" repayment; "Gold card" can enjoy

Airport VIP room service;

Disadvantages: no 800 and 400 customer service; Less outlets; Discrimination against agricultural registered permanent residence and men; Online shopping is not supported;

Summary: Suitable for friends who often fly and don't want to pay the annual fee of platinum card.

Guangdong Development Bank Credit Card

Advantages: Cash withdrawal can be 100% after half a year; 56 days long interest-free period; The starting point of "everything" is low (as long as 500 yuan); There is a 48-hour card loss guarantee; Support AliPay;

Disadvantages: There are no 800 and 400 telephones.

, customer service telephone set up by local branches; Less outlets;

Summary: suitable for friends who like to withdraw cash in full and stage at a low starting point.

China CITIC Bank Credit Card

Advantages: the installment amount is relatively high (up to 5 times) and does not occupy the amount; Support AliPay; There are 800 free telephones;

Disadvantages: few outlets; Customer service attitude is average;

Summary: It is suitable for friends who need to cash in by stages, buy electrical appliances in Gome and Yongning, and often travel abroad.

Shenzhen Development Bank Credit Card

Advantages: basically useless, it feels ok to have a "Wal-Mart Imagination Card"; The quotas of international cards and domestic cards are separate;

Disadvantages: few outlets; The customer service phone can be connected to the manual service in half an hour, and I invite you to dinner; No 800 calls; The quota is generally low;

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

Bank of Communications

Advantages: 56 days long interest-free period; YP card can be withdrawn 100%; Support AliPay;

Disadvantages: no 400 calls; The staging operation is cumbersome; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; Integral is not permanently valid;

Summary: If you often buy home appliances, the "Suning Card" is not bad, double Suning points.

China Bank Credit Card

Advantages: there is a personal photo on the back of the credit card, which reduces the risk of being fraudulently used; 1985, the earliest credit card issuing bank in China.

Disadvantages: account cancellation has to go to business outlets; Low quota (common fault of state-owned banks); 800 only for Great Wall International Card; Alipay is not supported;

Conclusion: Olympic cards are suitable for collection.

Shanghai Pudong Development Bank Credit Card

Advantages: Gold cards can be enjoyed abroad.

Citibank

Special merchant services of banks; You can print photos;

Disadvantages: no 400 calls; You have to spend a certain amount to avoid the annual fee (ordinary card 2000, gold card 5000); Less outlets;

Summary: I feel that the appearance of each card in Pufa is more fashionable.

Suitable for collection.

China merchants bank credit card

Advantages: the points are permanent and valid, and there are often over-valued group purchases. Except for the following "disadvantages", everything else is good;

Disadvantages: the integral policy is inhuman (20 yuan scores one point, not zero); The interest-free period is the shortest among all issuers, the shortest 18 days;

Summary: Suitable for friends who pay more attention to service than points; I highly recommend it.

China Construction Bank Credit Card

Advantages: more outlets; Compared with the other three major state-owned banks, the application threshold is lower;

Disadvantages: no 400 calls; The quantity is generally low and 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 don't have local joint-stock commercial banks.

China Everbright Bank Credit Card

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

Disadvantages: no 800 calls; 8 yuan has accumulated one point, and the points cannot be exchanged for gifts at present; Less outlets; People with more than six bank credit cards are basically not approved;

Summary: Suitable for collection.

China Agricultural Bank Credit Card

Advantages: more outlets; 56 days long interest-free period;

Disadvantages: no 400 calls; The quota is generally low; I feel that banks don't attach great importance to credit card business;

Summary: Suitable for friends who don't have local joint-stock commercial banks.

China Industrial and Commercial Bank Credit Card

Advantages: There are more than 30,000 outlets in China, which is the bank with the largest number of outlets in China at present; Just support Alipay.

Unlimited;

Disadvantages: such a big bank actually doesn't have 800 telephones, and 400 is not open to individual users; Poor service; Low quota; I have to cancel my account at the outlet;

Summary: Suitable for friends who don't have local joint-stock commercial banks.