Which banks are better?

Which bank in China has the best score of 20?

It better not matter. Everyone has their own specialties. Let me give you a brief introduction to their characteristics:

Brief introduction of China Bank

Bank of China was established in February of 19 12. It is the oldest bank in China, and also the bank with the most extensive network of international institutions and the most advantageous international financial business in China.

China Bank is the first bank in China with offices in six continents: Asia, Europe, Australia, Africa, South America and North America. At present, China Bank has 13089 domestic institutions and 560 overseas institutions, and has established a global financial service network. In Hongkong and Macau, Bank of China is also a local note-issuing bank.

Bank of China was selected by the British "Banker" magazine as one of the largest international banks with the strongest capital strength; For 12 years in a row, it was selected as a Fortune Global 500 enterprise. It was selected as "the best domestic bank in China, the best M&A institution in China and the best bank in China" by Eurocurrency. It was rated as "the best bank in China" by Asia Assets magazine.

By the end of 20001,the total assets of China Bank reached 3 1680 1 1 billion yuan, and the net assets reached 163462 billion yuan. Domestic and overseas institutions of the Bank achieved a book profit of1080.5 billion yuan, and their profitability and level always ranked first among domestic peers.

China Bank is the most advantageous bank in China's international financial business. It has strong strength in international trade financing, international trade settlement, foreign exchange fund business and international credit card, and its business volume ranks first in China.

In order to adapt to the accelerated pace of world economic and financial development and technological change, and actively respond to the more intense competitive situation, China Bank has set the development goal of fully promoting the construction of a good corporate governance mechanism: by giving full play to its comparative competitive advantage, building a scientific decision-making system, implementing sound accounting principles, establishing an effective incentive and restraint mechanism, establishing a human resource development and management system that adapts to the market mechanism, and establishing a board of directors that meets the requirements of a good corporate governance mechanism, China Bank will be developed into a comprehensive bank with full functions in three to five years. After a longer period of reorganization and merger with capital as the link, it has become one of the first-class banks in the world.

Brief introduction of China Construction Bank

China Construction Bank is a state-owned commercial bank featuring medium and long-term credit business. Headquartered in Beijing, it conducts business in China and major international financial centers. In July of 20001year, China Construction Bank ranked 29th in the global ranking of Banker magazine 1000 big banks.

-China Construction Bank was established in June 1954+ 10/0/. The basic background of the establishment of China Construction Bank is that with the implementation of the first five-year plan to develop the national economy in People's Republic of China (PRC), large-scale economic construction centered on 156 key projects has been launched all over the country. In order to manage the huge construction funds, China Construction Bank came into being, and started a hard and glorious course.

During the 20 years from 1954 to 1978, China Construction Bank mainly undertook the responsibilities of centralized handling of national capital construction budget allocation and enterprise self-raised fund distribution, supervising the rational use of funds, issuing short-term loans to construction enterprises and handling basic business settlement business. China Construction Bank's services closely follow the pace of China's construction, covering every construction hotspot in the motherland, and have made outstanding contributions to improving the national investment efficiency, supporting the national financial balance and the rapid economic development of China.

-Since the end of 1970s and the beginning of 1980s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions, and successively launched credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loan and other businesses. After more than ten years of reform and development, CCB's various businesses have developed rapidly, and its credit assets and liabilities have increased dozens of times. From a bank that only manages financial funds and supervises infrastructure allocation, it has developed into a national professional bank that handles financial investment and credit business at the same time. It not only has fixed assets investment credit, but also supports working capital loans, including domestic financial business and international financial business, with medium and long-term credit as its main business.

1994 is an important turning point in the development of China Construction Bank. According to the requirements of * * * on the reform of investment system and financial system, China Construction Bank will hand over the long-term financial agency function and policy loan function to the Ministry of Finance and the newly established National Development Bank respectively, which will begin to meet the requirements of commercial banks. ......

Which bank has the best credit card?

I. Credit cards of the 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 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 ......

Which bank is better for a credit card?

I like to answer questions about credit cards, because I have handled credit cards from all banks in China.

Ha ha.

The following is the answer.

1, the four major commercial banks: China Bank is very ordinary, with low quota and few points. The activities are all in a shopping mall with thousands of free tickets, which has no practical significance. Online banking is inconvenient. Convenient repayment.

China Construction Bank has a low quota, but it is easy to get a gold card. Other things are the same as above

Agricultural Bank of China, you don't have to do it. I applied for it for several months, but the outlets didn't hand in the form. It's a bank that doesn't pay much attention to credit card business.

Industrial and Commercial Bank of China, worth doing, with high quota and overlapping quota. For example, if you apply for one card and the line is 10000, and the other card is 10000, then your line is 20000. This is the only bank in China with overlapping credit lines. Moreover, online banking is so cool that it can directly charge 5k at a time. Convenient repayment.

Ps: I wonder if you are from Beijing? If so, do it now and send it back to Utton.

2. Banks with better credit card development: China Merchants Bank is the first bank with a high quota, so it is easier to apply for a gold card. The most important thing is that the integral activity is very good, and other activities are often launched. In addition, online banking is very convenient to handle and use. Convenient repayment.

Secondly, Guangfa Bank, for the same reason, has few activities and needs to pay attention to the website. Convenient repayment.

3. Excellent small banks: I have to say CITIC Bank. I don't know what other areas are like. 9 yuan films are often held in Beijing (six times is enough). The movies I watched in the past two years started in 9 yuan (the original price ranged from 70- 1 10), and there are many other activities that are worth one. However, the amount is average, and repayment is inconvenient (Raqqa is preferred), and online banking is also inconvenient. But the cards are all beautiful. It is important not to apply for CITIC's American Express card, because it is bound to pay an annual fee. pa 183 159838 1 1

Everbright Bank, with a high quota, can apply for a half-year quota adjustment, generally increasing by 1 times. The best thing is that the way to send points is very cool, often several times, and online transactions are also counted as points, which is the only one in China. Repayment is inconvenient, online banking is convenient, but 300 yuan is not so cool.

4. Other banks: Bank of Communications, online banking is convenient, repayment is convenient, and others have no advantages.

People's livelihood occasionally has activities (such as delivering milk), and others don't see any advantages. Have a local account with a high quota.

There is no advantage in the development of Shenzhen. I have cancelled my card.

Xingye, platinum card transaction processing, others have no advantages.

Huaxia has no advantage.

Bank of Beijing, platinum card is easy to handle.

What bank card is the best?

Online banking and mobile banking are more complicated. I'll send you a list, and you can choose:

Debit card (savings card), excluding VIP card and gold card.

1 Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 300 yuan. 3 yuan/quarter, the bank in the same city withdraws/trades 2 yuan.

2. Agricultural Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/pen (4 yuan, Guangdong).

3. China Construction Bank: The card processing fee is 5 yuan, with an annual fee of 10 yuan/year, which is lower than the small account management fee charged by 3 yuan/quarter 500 yuan, and this kind of account does not pay interest, and the withdrawal amount of 4 yuan/pen+1% is withdrawn in the same city.

4. China Bank: Credit card processing fee is 5 yuan, annual fee 10 yuan/year, and small account management fee is not charged, and banks in the same city withdraw money from 4 yuan.

5. Bank of Communications: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction.

Postal savings: it is free to apply for a card, and banks in the same city withdraw 2 yuan/pen. Most provinces and cities do not charge annual fees and small account management fees.

China Minsheng Bank: Card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city and across banks are free, followed by 2 yuan/transaction.

8 China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals in the same city are free every month, and then 2 yuan/pen.

CITIC Bank: It is free to apply for the card, and there is no annual fee and small account management fee. The first two withdrawals from banks in the same city are free every month, and then 2 yuan/pen.

10 Huaxia Bank: it is free to apply for the card, without annual fee and small account management fee, and the first withdrawal in the same city 1 every day (note 1: every day is not monthly) is free, and then 2 yuan/transaction.

1 1 Shanghai Pudong Development Bank: it is free to apply for a card, and there is no annual fee. Withdrawals from banks in the same city in 2 yuan, account management fee 12 yuan/year. If the balance in the account is always above 1000 yuan, or if POS swipes the card within one year (it doesn't matter how much, they are just encouraging the use of the card), it will be exempted.

12 Industrial Bank: card handling is free, with no annual fee and small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.

13 China merchants bank: it is free to apply for a card, and there is no annual fee. 2 yuan/transaction of inter-bank withdrawal in the same city. Account management fee: 1-5 yuan/month If the assets of the same customer in the bank are insufficient 10000 yuan (at the discretion of each branch, Beijing 1 yuan, 5 yuan in Qingdao, 5 yuan in Tianjin and 3 yuan in Shenzhen, the rest will not be mine. You deposited 10000 yuan in China Merchants Bank and set up 10 bank cards. Each card has no money, so this 10 card will not receive any money, but you have three cards, and the deposits in the cards are 3000 yuan, 2000 yuan and 2000 yuan respectively, which is less than/kloc-0.

14 SDB: it is free to apply for a card, and there is no annual fee, which is lower than the small account management fee charged by 300 yuan (1 yuan/month), but it can be exempted for one year only by spending 1 time on the POS card, so it is basically not accepted, and interbank withdrawals in the same city are completely free (except Shenzhen, Chengdu and Chongqing, 2 yuan/pen).

15 Guangdong development bank: 5 yuan is charged for handling the card (free of charge in Beijing), and there is no annual fee. The current account management fee is not small. After June 2009, it will be charged, and the first three withdrawals in the same city or different places will be free every month, and then 3 yuan/transaction.

16 China Bohai bank: in principle, the annual fee for handling cards in 20 yuan is 20 yuan/year, and the management fee for accounts below 5,000 yuan is 5 yuan/month. But in fact, the card is free, there is no annual fee, there is no small account management fee, and interbank withdrawals in the same city are completely free. This is a newly established bank with a national license (there are 18 banks nationwide), and it is only in Tianjin at present.

17 hengfeng bank: card handling is free, no annual fee, no small account management fee, and the national withdrawal is 2 yuan/pen. At present, only Yantai, Qingdao, Jinan, Hangzhou and Nanjing have banks. ......

What's the best bank in China?

Industrial and Commercial Bank of China, one of the five largest banks in China, a fortune 500 enterprise, China Commercial Bank with the largest customer base, and the first bank in the world at the end of 20 10. Needless to say, ICBC now has the largest number of outlets in China.

If the work speed is fast, personal experience also feels that ICBC is the fastest.

Which bank's online banking is the best and most practical?

China Merchants Bank's online banking is the best, but ICBC's is far from it. If you have used two banks, you can compare them.

What kind of bank card is the best?

1. Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee in 3 yuan, 300 yuan/quarter. The same city/trading bank withdraws money from 2 yuan.

2. Agricultural Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/pen (4 yuan, Guangdong).

3. China Construction Bank: The annual fee for handling the card is 5 yuan, 10 yuan/year, which is lower than the management fee for small accounts in 500 yuan, and 3 yuan/quarter. Such accounts do not pay interest. 4 yuan +65438+ 0% of the withdrawal amount for inter-bank withdrawals in the same city (that is to say, the handling fee is higher than that for withdrawals from other banks in different places. At home, they obviously forced customers not to withdraw money from other banks, so other bank customers came to their ATMs.

4. China Bank: Credit card processing fee is 5 yuan, annual fee 10 yuan/year, and small account management fee is not charged, and banks in the same city withdraw money from 4 yuan.

5. Bank of Communications: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction.

Postal savings: it is free to apply for a card, and banks in the same city withdraw 2 yuan/pen. Most provinces and cities do not charge annual fees and small account management fees.

China Minsheng Bank: Card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city and across banks are free, followed by 2 yuan/transaction.

8 China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals in the same city are free every month, and then 2 yuan/pen.

CITIC Bank: It is free to apply for the card, and there is no annual fee and small account management fee. The first two withdrawals from banks in the same city are free every month, and then 2 yuan/pen.

10 Huaxia Bank: it is free to apply for the card, without annual fee and small account management fee, and the first withdrawal in the same city 1 every day (note 1: every day is not monthly) is free, and then 2 yuan/transaction.

1 1 Shanghai Pudong Development Bank: it is free to apply for a card, and there is no annual fee. Account management fee 12 yuan/year. If the balance in the account is always 000 yuan? JE5 or above, or? If the POS machine swipes the card within $B4 (it doesn't matter how much, they are just encouraging the use of the card), it is not required.

12 Industrial Bank: card handling is free, with no annual fee and small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.

13 China merchants bank: it is free to apply for a card, and there is no annual fee. 2 yuan/transaction of inter-bank withdrawal in the same city. Account management fee: 1-5 yuan/month If the assets of the same customer in the bank are insufficient 10000 yuan (at the discretion of each branch, Beijing 1 yuan, 5 yuan in Qingdao, 5 yuan in Tianjin and 3 yuan in Shenzhen, the rest will not be mine. You deposited 10000 yuan in China Merchants Bank and set up 10 bank cards. Each card has no money, so this 10 card will not receive any money, but you have three cards, and the deposits in the cards are 3000 yuan, 2000 yuan and 2000 yuan respectively, which is less than/kloc-0.

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0 yuan/pen 0 yuan/pen 0 yuan/pen.

Bank of China 2 yuan/10 yuan/interbank deposits in different places can only be remitted according to local wire transfer standards, with withdrawals 10 yuan/transaction.

ICBC 2 yuan/transaction 1% amount +2 yuan, maximum 50 yuan deposit: 0.5% amount, take: 1% amount, maximum 50 yuan.

2 yuan/transaction of China Construction Bank +0% amount +5‰ amount 2 yuan, deposit: maximum 20 yuan.

SDB 0 yuan/transaction amount 5‰+deposit and withdrawal amount 5 ‰ in 2 yuan, the lowest: 5 yuan, the highest: 50 yuan. ......

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 ......

Which bank is better for handling credit cards?

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.