The four major state-owned commercial banks: China Construction Bank: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe three times; 2. The SMS service is free; 3. The cash withdrawal fee is only 0.5%; 4 . The handling fee for reporting a loss is 50 yuan; 5. There is a credit card directly targeted at car owners. Anyone with a car with a displacement of 1.4 or more can easily apply for the card. Disadvantages: The gifts that points can be exchanged for are few and inferior to those of Bank of China: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The handling fee for reporting a loss is only 40 yuan. Disadvantages: high points are required to exchange gifts, and there are few types of gifts. Industrial and Commercial Bank of China: Advantages: 1. The annual fee for the year is waived when swiping the American Express card 5 times a year or spending 5,000 yuan, or you can exchange 2,000 points for a RMB ordinary card for one year. Annual fee; 2. Free handling fee for cash withdrawal; 3. Free handling fee for overpayment redemption; 4. Only 20 yuan to report loss; 5. Disadvantages of many outlets: 1. SMS service fee 2 yuan/month; 2. Gift redemption center Agricultural Bank of China requires high points and has fewer types of gifts: Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived after swiping five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The loss report fee is only 1%. 50 yuan; 5. More outlets Disadvantages: 1. Few types of credit cards; 2. Card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts. China Merchants Bank: Advantages: 1. Annual fee is waived for the first year, and it is waived for the following year if you swipe it six times. Annual fee; 2. SMS service is free; 3. Loss report handling fee is 60 yuan; 4. Points gifts are good Disadvantages: 1. Cash withdrawal fee is high at 3%; 2. Fewer branches CITIC Bank: Advantages: 1. One after issuance of the card Swipe the card once within a month to waive the first-year annual fee, and swipe the card five times to waive the annual fee for the next year; 2. Free SMS service; 3. Free accident insurance. Disadvantages: 1. High cash withdrawal fee of 3%; 2. Few outlets; 3. . The handling fee for reporting a loss is 80 yuan; 4. There are many gifts but the points required are relatively high. Advantages: 1. No annual fee for the first year, and the annual fee for the next year is waived if you swipe five times or spend 3,000 yuan; 2. 50 yuan is required to report a loss. Disadvantages: 1. SMS service fee is 3 yuan/month; 2. Cash withdrawal fee is high at 3%; 3. Bank of Communications has few branches: Advantages: 1. No annual fee for the first year, and the annual fee for the next year is waived if you swipe the Y-POWER card three times , other cards are swiped six times and the annual fee is waived; 2. SMS service is free; 3. The cash withdrawal fee is only 1%; 4. It costs 50 yuan to report a loss; 5. There are more outlets than other non-state-owned commercial banks; 6. Points can be redeemed There are many gifts redeemed. Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is that Guangfa Bank is average: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived after six swipes; 2. Overflow There is no handling fee for payment and retrieval; 3. It only costs 3 yuan to prepare a replacement statement; 4. A copy of insurance is provided; 5. There are discounts for applying for the card. Disadvantages: 1. The SMS service fee is 3 yuan; 2. The handling fee for reporting loss is high Requires 85 yuan; 3. Fewer branches than Shanghai Pudong Development Bank: Advantages: 1. No annual fee for the first year; 2. No SMS service fee; 3. No handling fee for reporting loss; 4. No handling fee for overpayment recovery Disadvantages: 1. Times The annual fee is exempted based on the card swiping record and repayment record; 2. The handling fee for replacing a damaged card is 80 yuan; 3. The cash withdrawal handling fee is 3%; 4. Few branches Shenzhen Development Bank: Advantages: 1. Free Annual fee for the first year; 2. Cash withdrawal fee 1%; 3. Loss reporting fee 50 yuan; 4. The fee for making a replacement statement is only 2 yuan. Disadvantages: 1. Points can only be exchanged for the next year's annual fee, and some credit cards You need to swipe the card 12 times in the first year to redeem the annual fee for the next year; 2. Minsheng Bank with few branches: Advantages: 1. No annual fee for the first year; 2. No cash withdrawal handling fee; 3. No handling fee for overpayment withdrawal; 4. Free gift Aviation accident insurance also provides discounted car on-site emergency rescue services. Disadvantages: 1. Most credit cards need to be swiped 8 times to be exempt from the annual fee for the next year, and some require a 160 yuan production fee; 2. SMS service fee is 3 yuan; 3. Loss report handling fee Requires 80 yuan; 4. Fewer branches Everbright Bank: Advantages: 1. Some cards are exempt from the first-year annual fee, and swiping three times is exempt from the annual fee for the following year; 2. Cash withdrawal fee is 1%; 3. No SMS service fee; 4. No need to report loss Disadvantages of 50 yuan: 1. Some cards only waive the first-year annual fee, while some cards require a first-year annual fee; 2. Few outlets