1, free of annual fee forever; Installment is interest-free and the handling fee is low.

2. Points are permanently valid: you can spend one yuan to accumulate one point, and the points are permanently valid, and the points can be transferred and exchanged, so that various points plans can be easily realized.

Second, the shortcomings:

1, the quota is low and it is difficult to approve. Now many second-and third-tier cities don't do business.

2. There are not many types and activities of credit cards.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.