First of all, it is best to attract investment and it is best to use it. It can be used almost anywhere. Online payment is also very convenient. SMS reminders are free, and their telephone customer service is also good.

Then there is Ping An, which is similar to investment promotion and highly recommended, but the online payment function is not as powerful as investment promotion.

These two companies are also my most commonly used, and the amount is relatively high. But the score of peace is better than that of investment promotion. Investment promotion costs 20 yuan accumulated 1 points, and points are of little use. In addition, Ping An can enjoy the discount of 1 ticket (limited to two tickets at a time) in Poly, Pacific and other four cinemas, which is not bad.

Next, let's talk about CITIC. I feel just so-so. There is no SMS reminder for small consumption. I only spend 10 yuan to watch a movie in the designated cinema, and some KTV also have discounts.

Pufa, generally speaking, there is no SMS reminder for small consumption, and the customer service is very general (also in Shanghai, which is much worse than the investment safety). Sometimes the bill is wrong. If the repayment is overdue 1 day, it will be fined for not consulting. Ping An merchants can communicate with customer service. There is no alliance merchant in Shenzhen, which is not recommended.

Traffic is not recommended, places are given less, and consumption is not reminded. Imagine those reminders of safety investment, and you have to pay extra. But there are still many traffic outlets in Shenzhen. There is a direct 30% discount for eating at Peninsula Hotel, and no other benefits are found.

SDB is average. I wonder if it will improve after the merger with Ping An?

Guangfa, never used, haha, it should be average.

Minsheng and Everbright say that the card is average, but if there is a relationship, the amount can be approved very high, so it is often cashed out, so it is very strict now.

Xingye Huaxia said that the card is general, because it is a commercial bank in Fujian and has no weight in Shenzhen, so there is no special discount for using it.

Finally, talk about the four major state-owned banks.

Industry and commerce, it is recommended to handle it, because they have peony cards and support almost all shopping mall membership cards, which means that there are almost discounts or points where they spend. In addition, it can also be used to play the Guangzhou-Shenzhen Harmony train (because it is a chip card).

Bank of China has a Taobao card, which is more convenient to use. In addition, there is a discount for BOC card to go to Hong Kong, but you must apply in advance. China Bank also has a Guo Xin card, which is linked to Guo Xin Securities and can also be used as Shenzhen Stock Exchange. The Pacific card of Bank of Communications also has this function.

Agricultural Bank of China (ABC) has introduced such catering consumption discounts as "Dazu Kou Fu" and "Four Seas Family", with a discount of 60% at the specified time. Other routine

Compared with the other three, CCB has nothing special, but the quota will be higher than the other three.

The competition among these four banks is fierce, so they didn't pay attention to the development of credit cards in the early days, but only recently began to promote them vigorously, and there should be more and more discounts. However, compared with China Merchants Ping 'an, they are not so convenient, there is no consumer reminder (pay if you want), and the quota is generally low.

Almost like this, Shenzhen Rural Commercial Bank doesn't need to write, and I believe you won't go either.

Generally speaking, we recommend investment promotion and Ping An, and then make one or two more according to your actual situation, such as Industrial and Commercial Bank or Agricultural Bank, which are usually used more. (I use these four now)

I played so many cards myself, and after using them, I summed up my feelings about the cards. It's hard work, so you can give points as appropriate.