I want to apply for a bank card in Ningxia. What card is better?

I wonder if you have a basic understanding of various types of bank cards?

I'll tell you something:

1. Debit card: similar to a general savings account, it pays deposit interest, but it cannot be overdrawn for consumption or withdrawal, that is, the account can be used with money or without money, and an annual fee is charged (generally 10 yuan/year);

2. Credit card: (1) Credit card: (I am an ICBC VISA international card bank card) I can make large overdraft consumption, small overdraft cash withdrawal, and interest-free overdraft consumption for 55 days at the longest and 25 days at the shortest;

(2) Quasi-credit card: (I am a gold card of ICBC and have no brand logo) I can make large overdraft consumption and cash withdrawal, but the overdraft interest is calculated and paid according to the one-year loan daily interest rate, and the deposit interest is calculated and paid according to the current account interest.

Basically, credit cards issued by commercial banks can be accessed in different places, and they are all free, and the annual fee is exempted for a certain number of times.

Personal opinion: just hold a credit card and a quasi-credit card. Credit cards can overdraw consumption, and quasi-credit cards can cope with cash emergencies. At present, as far as my usage is concerned, Ningxia Bank of Communications is developing, and its banks are slightly looser than other commercial banks in general financial business. Now credit cards are also free of annual fees, online banking is free, SMS reminders are free, and cross-bank remittances are free of handling fees several times a month (specifically ask Bank of Communications, and now their service attitude is quite good). If you use online banking more, you'd better run ICBC, because compared with the online banking I use (I have online banking from CCB, BOC, ICBC and Bank of Communications), ICBC's online banking is the most convenient and safe to use, and the most rubbish is ABC, which has poor service attitude and complicated business handling.

In fact, the credit card business of commercial banks is similar, because they are all controlled by the central bank (People's Bank of China), and the discount is not much better. It is just that the newly developed guild has introduced some small preferential policies and a better service attitude.