Bank of Communications: Advantages: 1, free of annual fee in the first year, free of annual fee for Y power card for three times, and free of annual fee for other cards for six times; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. 50 yuan is required to report the loss; 5. There are more outlets than other non-state-owned commercial banks; 6. There are more gifts that can be redeemed for points.

Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average.

Guangfa Bank:

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after six strokes; 2. The overpayment will be recovered free of charge; 3. Only 3 yuan is needed to make up the statement; 4. Send a copy of the insurance; 5. There is a discount for getting a card.

Disadvantages: 1, SMS service fee needs 3 yuan; 2. The loss reporting fee is high in 85 yuan; 3. Less exports