China Merchants Bank Credit Card
Advantages:
1. Low application threshold, points are permanently valid
2. Online banking is powerful and easy to operate , supports Alipay
3. There are often value-for-money group buying products, and there are many activities and tricks
4. The card has good functions and good financial management in all aspects
5. All cards are combined into one bill (convenient for repayment)
6. There are many types of cards with beautiful designs
Disadvantages:
1. The points policy is very unfair. Human nature (20 yuan earns one point, excluding zero)
2. The interest-free period is the shortest among all card issuers, the shortest is 18 days
3. All cards are combined into one bill (not flexible) )
4. The online payment limit is too low (500 yuan)
Summary:
Suitable for friends who value service more than points.
Customer service hotline: 800-820-5555, 95555
Bank of Communications Credit Card
Advantages:
1. Low application threshold, The amount is faster
2.56 days long interest-free period
3. YP card can be 100% withdrawn
4. Alipay is supported, and the online payment limit is high ( 10,000 yuan)
Disadvantages:
1. The installment operation is relatively cumbersome
2. Each card needs to be repaid separately, and the consumption of all cards will not be automatically counted. Total
3. Points are not permanently valid
Summary:
If you often buy home appliances, the "Suning Card" is not bad, with double Suning points.
Customer service hotline: 800-988-8888, 95559
ICBC Credit Card
Advantages:
1. There are 30,000 credit cards nationwide It has multiple branches and is currently the bank with the most branches in China
2. It supports Alipay and can have unlimited limits
3. There is no handling fee for local cash withdrawals (my favorite)
p>
4. International cards of different brands have independent limits
Disadvantages:
1. The application threshold is too high and the limit is too low
2. Service Poor attitude (especially branches)
3. Such a big bank does not have an 800 number, and the 400 number is not open to individual users
Summary:
Suitable for the local area Friends who do not have a joint-stock commercial bank and often like to withdraw cash via overdraft
Customer service hotline: 95588
China Construction Bank Credit Card
Advantages:
1 . Many network points
2. Compared with the other three state-owned banks, the application threshold is lower
3. The cash withdrawal fee is low (0.5), and overdraft withdrawals support minimum repayment
p>
Disadvantages:
1. The limit is generally low and the limit increase is slow
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated.
Summary:
Suitable for friends who do not have joint-stock commercial banks in the local area
Customer service hotline: 800-820-0588
If you still If you have any other specific questions, it is recommended that you call the bank’s customer service personnel and hope they can help you.