I'll provide you with the advantages and disadvantages of credit cards from several domestic banks. By comparison, you can choose a credit card that is more suitable for you.

1, industrial and commercial bank of China credit card

Advantages: There are more than 30,000 outlets in China, which is the bank with the largest number of outlets in China at present; Support Alipay, which can be unlimited; Local cash withdrawal; Different brands of international cards have independent quotas;

Disadvantages: the bidding threshold is too high and the quota is too low; Poor service attitude (especially in branches), such a large bank actually does not have 800 telephones, and 400 telephones are not open to individual users;

Summary: It is suitable for local commercial banks without joint-stock system and friends who often like to withdraw cash from overdrafts.

2. China Construction Bank Credit Card

Advantages: more outlets; Compared with the other three major state-owned banks, the application threshold is lower; The withdrawal fee is low (0.5%), and overdraft withdrawal supports the minimum repayment.

Disadvantages: the quantity is generally low and the quantity is slow; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

Summary: Which bank has a good credit card? CCB credit card is suitable for friends who don't have local joint-stock commercial banks.

3. China Bank Credit Card

Advantages: 1985. It is the earliest credit card issuing bank in China. Overdraft withdrawal points;

Disadvantages: account cancellation has to go to business outlets; Low quota (common fault of state-owned banks); 800 only for Great Wall International Card; Alipay is not supported; The minimum repayment amount is not supported for overdraft withdrawal;

Conclusion: Olympic cards are suitable for collection.

4. China Agricultural Bank Credit Card

Advantages: more outlets; 56 days long interest-free period;

Disadvantages: the application threshold is high, the cycle is long, and the quota is generally low; I feel that banks don't attach great importance to credit card business;

Summary: Suitable for friends who don't have local joint-stock commercial banks.

5. China Merchants Bank Credit Card

Advantages:

1, the bid threshold is extremely low, and the points are permanently valid;

2. Online banking is powerful and easy to operate, supporting Alipay;

3. There are often value-for-money group purchases, with many activities and many tricks;

4, the card function is good, and all aspects of financial management are good;

5. All cards are combined into one bill (easy to repay);

6. There are many kinds of cards with exquisite designs;

7. Free annual fee for the first year. Brush six times a year, free of the annual fee of the following year;

8. There is no limit to the amount of each credit card, which is easy to realize and basically has no cost;

9. Within 48 hours of reporting the loss of the credit card, China Merchants Bank will report the loss and bear the loss reporting expenses;

10, the circulation should be the largest among all bank credit cards. If so many people use it, it always has its advantages.

Disadvantages:

1, the integral policy is inhuman (20 yuan scores one point, not counting zero);

2. The interest-free period is the shortest among all issuers, with the shortest 18 days;

3. There is no SMS prompt for small consumption;

4. All cards are combined into one bill (inflexible);

5. The online payment limit is too low (500 yuan);

6. Without the password, many people feel unsafe. However, international standard credit cards also have no password signature.