What card should Shandong Heze choose to apply for a credit card?

Mainly because it is more convenient for local banks to handle credit cards and there are many outlets. Then according to your actual situation, choose the credit card that suits you.

What credit card is better depends on personal needs and comparison of credit cards in major banks:

I. 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: There are few and poor gifts that can be redeemed for points.

Second, the 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.

Three. 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.

Four. Agricultural 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 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.

Verb (abbreviation of verb) 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%; There are fewer outlets.

6. 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.

Seven. 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

8. 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 of using Bank of Communications credit card is average.

Nine, 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.

X. 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; Less outlets.