What kind of credit card is better?

Question 1: What kind of credit card is better? Hello, landlord. First of all, I declare that I copied the following contents, but I copied the original contents. You see, I have used the online banking of 9 banks and the credit cards of 6 banks. I hope these are helpful to you. If you don't understand, ask me

Industrial and Commercial Bank of China: U shield and electronic password card are security tools, online banking needs 1, and mobile banking needs electronic password card, with comprehensive business and high credit card threshold. It is the leading bank in China, with many online stores, and the overall experience is 4 points (out of 5 points, the following only compares the experience of online banking, mobile banking, debit cards and credit cards).

China Construction Bank: The security tools are E-way and electronic password card. Generally speaking, the business is ok, the credit card points are not affordable and the application threshold is not high. Online banking and mobile banking are generally used. For example, online banking, e-road escort after re-login. At the same time, many netizens on the Internet reported that the website of CCB always crashes when paying through Alipay, and mobile banking is also common. Except for high-end cards, the overall experience is 2 points.

Bank of China: First of all, I used to be the customer service of Bank of China, but I have never been partial to Bank of China. Bank of China generally promoted the security tool to Order E of Bank of China, which is a dynamic password device. If you want to do business through online banking or mobile banking, you must take it with you. However, mobile banking has perfect software, which can pay fees, transfer money, stock trading and so on. It's very easy to use and you can pay the water bill. There are not many online banks that can pay water bills now, and the credit card threshold is high, but there are quite a lot of activities now.

Agricultural Bank of China: I use the first online banking other than Bank of China, and I don't understand it thoroughly. Alas, it's really puzzling, and there are many problems. I really don't want to say more. I remember that there are many kinds of credit cards, and the overall experience is 2 points.

Bank of Communications: SMS authentication is the main security tool, which is the best mobile banking I have ever used. It seems that the points can only be used in cash (online shopping mall). I don't know if it is now. It is the first in China to withdraw money without a card and spend without a card. Although it is not the four major banks, it is definitely ahead in bank cards. All transactions only need to rely on the verification code of the mobile phone. The application threshold is not high and there are many activities. The overall experience is 5 points.

China Merchants Bank: The first online bank in China. I admit that the service is good, but I also admit that it is safe. However, it is not very comfortable to use mobile banking and online banking with credit cards, especially in payment. You need a lot of data to apply before you can pay. The whole process takes about 4 minutes, and the score of Bank of Communications is less than 1. The steps are too cumbersome, the points are not affordable, the threshold is not high, there are many activities, and the overall experience is 3 points.

Let's just introduce these. I have also used post, Pufa and Guangfa. I can't say it all. You can ask me what you want to know, and I will tell you in detail. I hope it helps you. You can ask me if you don't understand.

Question 2: Which bank has a better credit card? The basic functions of China Merchants Bank credit cards are the same, such as credit card consumption and online payment. We will launch different offers and promotions for different credit cards from time to time. Due to different personal preferences, I suggest you choose according to your own preferences. If you need to know the details of the credit cards currently launched by our bank, please log on to the credit card website, click "Apply for Credit Card"-"Credit Card Family Photo" and select the card you are interested in.

Question 3: Which bank has the best credit card? One or four state-owned commercial banks use credit cards.

China construction bank

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after brushing three times;

2. SMS service is free;

3. The withdrawal fee is only 0.5%;

4. Report the loss of 50 yuan;

5. There is a kind of credit card that is directly for car owners. As long as there is a car with a displacement above 1.4, it can be easily processed.

Disadvantages: points can be exchanged for less and worse gifts.

Bank of China

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after five strokes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only 40 yuan.

Disadvantages: Gift redemption requires high points and few types of gifts.

Industrial and Commercial Bank of China

Advantages: 1, American Express card swipes 5 times a year, or the annual fee of the current year is exempted when spending over 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 exits.

Disadvantages: SMS service fee 2 yuan/month; Redemption of gifts requires high points and 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 strokes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only in 50 yuan;

5. There are many exits.

Disadvantages: there are few types of credit cards; Card processing procedures are relatively cumbersome; Less points can be exchanged for gifts.

2. Credit cards of other commercial banks

China Merchants Bank

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after six strokes;

2. SMS service is free;

3. Report the loss of 60 yuan;

4, integral gifts are better.

Disadvantages: the withdrawal fee is 3%; Less

China Citic Bank

Advantages: 1, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times within one month after card issuance;

2. SMS service is free;

3. Send an accident insurance.

Disadvantages: the withdrawal fee is 3%; Less outlets; The loss reporting fee is high in 80 yuan; There are many gifts, but the requirements are high.

industrial bank

Advantages: 1, free of the annual fee for the first year, free of the annual fee for the next year after brushing for five times or spending over 3,000 yuan;

2. Only 50 yuan is needed to report the loss.

Disadvantages: SMS service fee 3 yuan/month; Withdrawal fee 3%; Fewer exits

Bank of Communications

Advantages: 1, free of annual fee in the first year, free of annual fee in the following year for three swipes by Y Power, and free of annual fee for six swipes by others;

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.

Shanghai Pudong Development Bank

Advantages: 1, free of annual fee in the first year;

2. Free SMS service fee;

3. No loss reporting fee;

4. Don't pay the recovery fee.

Disadvantages: 1, the annual fee for the following year is determined according to the credit card record and repayment record;

2. The card replacement fee is high in 80 yuan;

3. Withdrawal fee of 3%;

4. There are few exits.

SDB Shenzhen Development Bank

Advantages: 1, free of annual fee in the first year;

2. Withdrawal fee1%;

3. Report the loss of 50 yuan;

4. You only need 2 yuan to make up the bill handling fee.

Disadvantages: points can only be exchanged for the annual fee of the following year, and some credit cards can only be exchanged for the annual fee of the following year by swiping 12 times in the first year; Fewer exits

Minsheng Bank

Advantages: 1, free of annual fee in the first year;

2. Free cash withdrawal fee;

3. Don't pay back the handling fee;

4. Send aviation accident insurance and provide on-site emergency assistance services for discount cars.

Disadvantages: 1, most letters ... >>

Question 4: Which bank is better to apply for a credit card? Advantages and disadvantages of various bank cards.

The most convenient way is to distribute it widely without submitting any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully online, the people in the card center will contact you for credit within 15 working days, and the result will come out.

GDB card has powerful functions, favorable points policy, many preferential activities, timely SMS reminder, mature online payment, and supports Taobao Yi Bei and points. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan a month. Credit card merchants are not as popular as the four major banks, and online banking is very simple. . . .

The best feeling is China Merchants Bank, which has powerful functions, many kinds of cards, high efficiency and excellent service, and can adjust the consumer credit line at any time. Online banking is powerful, with lifelong points, and the latest card loss protection plan is launched. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good.

If you often stay in a hotel for the pre-sale right, BOC card is the best choice. The acceptance rate of merchants in China is high, but the credit card system of China Bank is still in the stage of 10 years ago, with weak functions, poor service and low efficiency. The repayment amount cannot be recovered in time, and the annual fee is rarely waived. It is recommended to wait and see with the application. The next best thing is that the other three state-owned banks must have a card, which is more convenient to go out. I have never been an agricultural bank or an industrial and commercial bank. It is suggested that CCB has many outlets, high application efficiency, good points system, many preferential activities, high acceptance rate of merchants, arbitrary adjustment of password+signature consumption limit, safety and freedom. SMS reminders are charged by the article.

HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. Go and apply quickly.

The disadvantage is that the credit line cannot be restored immediately after repayment, and the credit card pass rate is relatively low.

CITIC has just launched the World Cup card, with many activities. Let's see: online payment is not supported, and the withdrawal fee is the highest. Points are valid for only 1-2 years, and nothing can be exchanged. However, the interest-free period is as long as 56 days, SMS reminders are free, and consumption details can be queried by SMS.

Minsheng card is still good, and it will soon support online payment. And the cash withdrawal fee is free for peers, and other banks only need 1%. You can prepare an emergency cash withdrawal.

Pufa Card: The approval is faster, and the online banking is good. Recently, there are many preferential activities, and the validity period of points is not good for 2-4 years, but things that can be exchanged for points are still good.

China Merchants Bank, China Merchants Bank leads, five guarantees, what do you think? I strongly recommend China Merchants Bank.

Question 5: Which bank is the best for credit card? The functions of credit cards in various banks are similar, but they are subdivided into various types. If you don't have special needs, you just spend money everyday (for example, many guilds and airlines launch joint airline credit cards, so it is very convenient to buy air tickets for travel. There are also some other special cards. If the consumption habit is in China, it is recommended to use China Merchants Bank's credit card. On the one hand, their service is not bad, on the other hand, they have launched more activities and more cooperative businesses. If you are a high-end consumer or often spend money abroad, it is recommended to apply for a credit card from China Bank, because their overseas settlement is convenient and fast. The above is just a personal idea, you can refer to it!

Question 6: Which bank is better for handling credit cards now? What are the advantages and disadvantages? China Construction Bank:

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after brushing three times; 2. SMS service is free; 3. The withdrawal fee is only 0.5%; 4. Report the loss of 50 yuan; 5. There is a kind of credit card that is directly for car owners. As long as there is a car with a displacement above 1.4, it can be easily processed.

Disadvantages: points can be exchanged for less and worse gifts.

Bank of China:

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after five strokes; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. The loss reporting fee is only 40 yuan.

Disadvantages: Gift redemption requires high points and few types of gifts.

ICBC:

Advantages: 1, American Express card swipes 5 times a year, or the annual fee of the current year is exempted when spending over 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 exits

Disadvantages: 1, SMS service fee 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 strokes; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. The loss reporting fee is only in 50 yuan; 5. There are many exits

Disadvantages: 1, few types of credit cards; 2. The card processing procedure is relatively complicated; 3. Less points can be exchanged for gifts.

China Merchants Bank:

Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after six strokes; 2. SMS service is free; 3. Report the loss of 60 yuan; 4, the overall gift is better

Disadvantages: 1, withdrawal fee of 3%; 2. Less exports

China CITIC Bank:

Advantages: 1, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times within one month after card issuance; 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. There are many gifts, but the requirements are high.

Industrial Bank:

Advantages: 1, free of the annual fee for the first year, free of the annual fee for the next year after brushing for five times or spending over 3,000 yuan; 2. 50 yuan is needed to report the loss.

Disadvantages: 1, SMS service fee 3 yuan/month; 2. Withdrawal fee of 3%; 3. Less exports

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

Shanghai Pudong Development Bank:

Advantages: 1, free of annual fee in the first year; 2. Free SMS service fee; 3. No loss reporting fee; 4. Don't pay the recovery fee.

Disadvantages: 1, the annual fee for the following year is determined according to the credit card record and repayment record; 2. The card replacement fee is high in 80 yuan; 3. Withdrawal fee of 3%; 4. Less exports

Shenzhen Development Bank:

Advantages: 1, free of annual fee in the first year; 2. Withdrawal fee1%; 3. Report the loss of 50 yuan; 4. Only 2 yuan is required for the handling fee of the supplementary statement.

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. Less exports

Minsheng Bank:

Advantages: 1, free of annual fee in the first year; 2. Free cash withdrawal fee; 3. Don't pay back the handling fee; 4. Send aviation accident insurance and provide on-site emergency assistance services for discount cars.

Disadvantages: 1, most credit cards need to be swiped 8 times to avoid the annual fee of the following year, and some need to pay 160 yuan; 2. SMS service fee 3 yuan; 3. The loss reporting fee requires 80 yuan; 4. Less exports

Everbright Bank:

Advantages: 1, some cards are exempt from the annual fee of the first year, and the annual fee of the next year is exempted after three swipes; 2. Withdrawal fee1%; 3. Free SMS service fee; 4. 50 yuan is needed to report the loss.

Disadvantages: 1, some cards are only exempt from the first-year annual fee, and some cards need to pay the first-year annual fee; 2. Less exports ... >>

Question 7: Which bank's credit card is easier to handle now? 1. Personally, I think China Merchants Bank's credit card is easier to use, without guarantee or local account. The online banking system is convenient for repayment; Except for Bank of China, ICBC, China Construction Bank and Agricultural Bank, China Merchants Bank probably has the largest number of outlets among all commercial banks, and generally large and medium-sized cities have service outlets;

2. In addition to personal income level, the bank credit limit should also consider your personal credit and education, as well as the nature of work and actual needs; Basically, the basic principles for banks to approve credit cards and credit lines are:

Consider your actual spending power.

2) Consider your repayment ability.

3) Article 2 takes precedence over Article 1.

3. Usually, the interest-free repayment date of the bank is 50~56 days;

Due to the imperfect credit system in China, the four major commercial banks generally have strict requirements for credit card applicants. However, if you apply for some credit cards from local banks first, and then apply for these four cards after accumulating some credit lines for a period of time, you will be more likely to be approved. You know, whether it's Vias, Master or China UnionPay card, if the application fails twice in a row, you think it will be very difficult to apply for the third time in 1 year.

5. However, if you apply for some local banks such as Guangfa and Minsheng, you should consider whether it is convenient to repay in the future. This is very important. If you can't find the bank counter for cross-bank repayment, it will delay the time and it will be very unfavorable for you to have a bad repayment record.

6. If the personal conditions are not very good, don't ask for too high a credit limit when applying for the first time. Generally, after three months, the bank will adjust the credit line according to your repayment and actual use in the first three months. The principle of applying for a credit line is: just enough.

7. Generally, undergraduates who have a fixed occupation and have worked in this unit for two years can easily get a quota of 3-5,000 yuan for the first time, and graduate students can get a gold card, that is, a quota of more than 1000 yuan.

Question 8: Which bank has a better credit card? Take a comprehensive inventory of the credit cards of the banks around you.

Four 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 brushing for three times;

2. SMS service is free;

3. The withdrawal fee is only 0.5%;

4. Report the loss of 50 yuan;

5. There is a kind of credit card that is directly for car owners. As long as there is a car with a displacement above 1.4, it can be easily processed.

Disadvantages: points can be exchanged for less and worse gifts.

Bank of China:

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only 40 yuan.

Disadvantages: Gift redemption requires high points and few types of gifts.

ICBC:

Advantages:

1, American Express card swipes the card five times a year, or the annual fee of the current year is exempted when the consumption reaches 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 exits

Disadvantages:

1, SMS service fee 2 yuan/month;

2. The points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank:

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only in 50 yuan;

5. There are many exits

Disadvantages: 1, few types of credit cards; 2. The card processing procedure is relatively complicated; 3. Less points can be exchanged for gifts.

China Merchants Bank:

Advantages:

1, free of annual fee in the first year, and 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, the overall gift is better

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less exports

China CITIC Bank:

Advantages:

1. Within one month after issuing the card, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times;

2. SMS service is free;

3. Send an accident insurance.

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less outlets;

3. The loss reporting fee is high in 80 yuan;

4. There are many gifts, but the requirements are high.

Industrial Bank:

Advantages:

1, exempt from the annual fee for the first year, and exempt from the annual fee for the next year if you brush it for five times or spend 3000 yuan;

2. 50 yuan is needed to report the loss.

Disadvantages:

1, SMS service fee 3 yuan/month;

2. Withdrawal fee of 3%;

3. Less exports

Bank of Communications:

Advantages:

1, Y-POWER card is free of annual fee in the first year, three times in the second year, and six times in other cards;

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 brushing for six times;

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, the SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less exports

Shanghai Pudong Development Bank:

Advantages:

1, free of annual fee for the first year;

2. Free SMS service fee;

3. No loss reporting fee;

4. Don't pay the recovery fee.

Disadvantages:

1. Exempt the annual fee for the following year according to the credit card record and repayment record;

2. The card replacement fee is high in 80 yuan;

3. Withdrawal fee of 3%;

4. Less exports

Shenzhen Development Bank:

Advantages:

1, free of annual fee for the first year;

2. Withdrawal fee1%;

3. Report the loss of 50 yuan;

4. Only 2 yuan is required for the handling fee of the supplementary statement.

Disadvantages:

1, only points can be exchanged for the annual fee of the following year, and some credit cards can only be exchanged for the annual fee of the following year if they swipe their cards 12 times in the first year;

2. Less exports

Minsheng Bank:

Advantages:

1, free of annual fee for the first year;

2. Free cash withdrawal fee;

3. Don't pay back the handling fee;

4. Send aviation accident insurance and provide on-site emergency assistance services for discount cars.

Disadvantages:

1, most credit cards need to be swiped 8 times to avoid the annual fee for the following year, and some need to pay 160 yuan;

2. SMS service fee 3 yuan;

3. The loss reporting fee requires 80 yuan;

4. Less exports

Everbright Bank:

Advantages:

1, some cards are exempt from the annual fee of the first year, and the annual fee of the next year is exempted after three swipes;

2......& gt& gt

Question 9: I want to get a credit card. Which bank is better? Personally, I suggest you choose according to the following points:

1, ok. Do you need a large credit card overdraft? If so, it is easier for Minsheng Bank and China CITIC Bank to apply for credit lines, but these banks have few repayment points, especially China CITIC Bank.

2. Repayment is easy. The four major state-owned banks have the most repayment points, but the credit card business is not as flexible as other small and medium-sized banks. There are many outlets between China Merchants Bank and Bank of Communications.

3. Offers of alliance merchants. These people's livelihood, China Merchants Bank, ICBC and China Construction Bank have all done well. However, non-Big Four banks are more flexible.

4. redemption of points. This must recommend people's livelihood. The integral method is better (1 yuan 1 minute, unlike China Merchants Bank, which has only a few 1 minutes to reach 20 yuan), and there are many gifts.

5. Service attitude. China Merchants Bank has the best service attitude, and CCB's is also good.

Actually, it depends on personal needs ~ choose according to your actual situation:)

Personal opinion, for reference only ~:)

Question 10: Which bank is better for individuals to apply for a credit card? In addition to the strength of the bank, it is also for its own convenience.

The best credit card is China Merchants Bank, especially the promotion of student credit cards, which is similar to Guangfa. Free of annual fees in the first year and six times a year. There are also marketing such as gifts.

The student credit card of CCB will be exempted from the annual fee for the following year if it is spent three times. If there is a cash balance in it, a handling fee of 0.5% will be charged, which is half that of other banks. All other banks charge a handling fee of 1% for cash withdrawal. The investment is 1%, but it starts from 10 yuan, which means that 900 yuan should be deducted.

There is a handling fee for withdrawing cash by credit card, so it is usually best not to deposit too much money. After all, it is the function of overdraft consumption. It is best to apply for a debit card associated with this bank, which can be automatically deducted on the repayment date.

I understand the preferential policies for student cards. There is no handling fee for the first cash withdrawal of China Merchants Bank's YOUNG card every month, but so many discounts on student cards also determine that the overdraft limit of the card is not much. Investment promotion is 3000 consumption overdraft, the overdraft amount is only 1500, and there are five ten thousandths of overdraft interest. CCB is 1500 consumer overdraft credit line. However, the credit limit of ordinary cards that adults need to apply for will be much larger.

Generally speaking, the annual fee is free in the first year, and the annual fee is free n times in that year. Different banks are different. China Merchants Bank is exempted for 6 times in the following year, Bank of China for 5 times, China Construction Bank for 3 times and Bank of Communications for 12 times. ICBC needs to spend more than 2,400 yuan, and people's livelihood needs six cash refunds of 120% of the annual fee.

Of course, the four major commercial banks have many outlets, and other joint-stock banks provide better services ... Banks' credit cards will also cooperate with other foreign banks or well-known enterprises. Bank of Communications dual-currency credit card is jointly issued with Hongkong and Shanghai Banking Corporation. China Construction Bank Wenzhou Branch and Delixi Enterprise jointly set up Delixi Longka Credit Card, and other banks also have their own partners, weighing and choosing the one that suits them. Other functions of credit cards, such as booking hotels, booking air tickets, and discounting in shopping malls, are closely related to the partners of banks.