There are several big banks in China.

Four major state-owned commercial banks: China Construction Bank: Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after three swipes; 2. SMS service is free; 3. The withdrawal fee is only 0.5%; 4. Report the loss of 50 yuan; 5. There is a direct credit card for car owners. As long as there is a car with a displacement exceeding 1.4, you can easily apply for this card. Disadvantages: There are few gifts that can be redeemed for points. Bank of China: Advantages: 1, free of the annual fee for the first year, and free of the annual fee for the next year after five swipes; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. The loss reporting fee is only collected in 40 yuan. Disadvantages: the points required for gift exchange are high, and there are few kinds of gifts. Industrial and Commercial Bank of China: Advantages: 1, American Express card is swiped 5 times a year, or the annual fee of the current year is exempted for spending 5,000 yuan, or the annual fee of RMB ordinary card is exchanged for 2000 points; 2. The withdrawal fee is free; 3. The overpayment will be recovered free of charge; 4. Only 20 yuan is needed to report the loss; 5. There are many disadvantages in outlets: 1, and the SMS service fee is 2 yuan/month; 2. The points needed to exchange gifts are high, and there are few kinds of gifts. Agricultural Bank: Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after five swipes; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. The loss reporting fee is only 50 yuan; 5. Disadvantages of more outlets: 1, fewer types of credit cards; 2. The card processing procedure is relatively complicated; 3, less points convertible gift China Merchants Bank: Advantages: 1, free of annual fee in the first year, free of annual fee in the second year after brushing for six times; 2. SMS service is free; 3. Report the loss of 60 yuan; 4. Disadvantages of good bonus gifts: 1, high withdrawal fee of 3%; 2. CITIC Bank with fewer outlets: Advantages: 1, free of the annual fee for the first year within one month after issuing the card, and free of the annual fee for the next year after swiping the card five times; 2. SMS service is free; 3. Send an accident insurance. Disadvantages: 1, withdrawal fee of 3%; 2. Less outlets; 3. The loss reporting fee is high in 80 yuan; 4. Industrial Bank with many gifts but high points: Advantages: 1, free of the annual fee for the first year, free of the annual fee for the next year if you brush it for five times or spend more than 3,000 yuan; 2. 50 yuan is needed to report the loss. Disadvantages: 1, SMS service fee 3 yuan/month; 2. The withdrawal fee is 3%; 3. Bank of Communications with fewer outlets: Advantages: 1, free of annual fee for 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 many gifts that can be redeemed with points. Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use the Bank of Communications credit card is that Guangfa Bank is general: advantages: 1, annual fee is free in the first year, and annual fee is free in the second year after six swipes; 2. The overpayment will be recovered free of charge; 3. Only 3 yuan is needed to make up the statement; 4. Send an insurance copy; 5. There are advantages and disadvantages in handling the card: 1, and the SMS service fee needs 3 yuan; 2. The loss reporting fee is high in 85 yuan; 3. Shanghai Pudong Development Bank with fewer outlets: Advantages: 1, free of annual fee in the first year; 2. Free SMS service fee; 3. No loss reporting fee; 4. You don't need to pay more to get back the handling fee. Disadvantages: 1. The annual fee for the following year is determined according to the credit card records and repayment records; 2. The card replacement fee is high in 80 yuan; 3. The withdrawal fee is 3%; 4. Less outlets Shenzhen Development Bank: Advantages: 1, free of annual fee in the first year; 2. The withdrawal fee is1%; 3. Report the loss of 50 yuan; 4. Only need to make up the bill handling fee of 2 yuan. Disadvantages: 1, only points can be redeemed for the annual fee of the following year, and some credit cards can only be redeemed for the annual fee of the following year by swiping 12 times in the first year; 2. Minsheng Bank with fewer outlets: Advantages: 1, free of annual fee in the first year; 2. Free of withdrawal fee; 3. get back the handling fee without paying more; 4. Disadvantages of providing preferential on-site emergency assistance service for aviation accident insurance: 1, most credit cards need to be swiped 8 times to avoid the annual fee for the following year, and some have to pay 160 yuan; 2. SMS service fee 3 yuan; 3. The loss reporting fee requires 80 yuan; 4. Everbright Bank with fewer outlets: Advantages: 1, some cards are exempt from the annual fee for the first year, and the annual fee for the next year is exempted after three swipes; 2. The withdrawal fee is1%; 3. Free SMS service fee; 4. 50 yuan is needed to report the loss. Disadvantages: 1 Some cards are only exempt from the annual fee for the first year, and some cards need to pay the annual fee for the first year; 2. Less exports