1. Bank of Communications credit card, the threshold for approval is very low, you only need to provide your ID card and your work certificate (that is, work permit, badge, or income certificate stamped with the official seal of the unit, or even the original business card and passport copy of the unit or institution).

The overdraft limit is average, not very high. Of course, the information you provide is more comprehensive, and the amount of proof that you own real estate and automobile products will be much higher.

The interest-free period of Bank of Communications is 56 days.

The integral is one yuan, which is easy to accumulate, and there is no integral for cash withdrawal.

Withdrawal fee 1%, the minimum for each withdrawal is 10 yuan, which means that you have to pay for withdrawal 100/0 yuan, and you have to pay for withdrawal 100/0 yuan.

Except for the perpetual power card, you can apply for installment repayment for a single consumption of 1500 or more.

There is no free SMS reminder function for transactions, and the monthly SMS reminder service for transactions in 3 yuan.

2. Minsheng Bank's credit card has higher approval requirements than Bank of Communications, and your non-local personnel are not allowed to approve the card at present, and some discriminate against rural household registration personnel.

The overdraft limit is slightly higher than other banks.

The longest interest-free period for consumption is 50 days.

There is no handling fee for withdrawing cash at the ATM of local Minsheng Bank.

Minsheng Bank's billing date and repayment date can be set by itself, and the points exchange is at the upper-middle level.

3. China Merchants Bank Credit Card, with low threshold, is the first credit card brand in China, and its card circulation is second only to ICBC.

The overdraft limit is relatively higher than Bank of Communications and lower than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on your property and income.

The longest interest-free period for consumption is 50 days.

Cash withdrawal fee 1%, with a minimum of 10 yuan per transaction, which is the same as the cash withdrawal fee of Bank of Communications credit card.

The online shopping mall is better, and the installment repayment is convenient. According to the current credit card ownership, I have always been particularly satisfied with the customer service of China Merchants Bank's credit card, and the credit card reputation is also good.

4. Everbright Bank credit card, the threshold for card approval is very low, and my Everbright credit card did not even ask me for work and property certificates.

The overdraft limit is very high, which is basically higher than any other bank.

The longest interest-free period for consumption is 50 days.

Cash withdrawal fee 1%, with the lowest 3 yuan per transaction, which is the lowest for all other banks.

Automatic staging function. After the automatic installment function is turned on, every time you swipe your card, no matter how much you swipe it, it will be automatically divided into 12 installments.