The following bank credit cards can apply for etc.:

1. Industrial and Commercial Bank of China: There is no handling fee for claiming overpayment, and only 20 yuan is needed to report a loss.

2. Agricultural Bank of China: The overflow SMS service is free, the cash withdrawal fee is only 1%, the first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times.

3. Bank of China: The overflow SMS service is free, the cash withdrawal fee is only 1%, the first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times.

4. China Construction Bank: The SMS service is free, the cash withdrawal fee is only 0.5%, the first-year annual fee is waived, and the annual fee for the next year is waived if you swipe three times.