Which bank has a better credit card? "A difficult question to answer! As the saying goes, only contrast can distinguish! I know that there are more than a dozen banks issuing credit cards in the mainland, and few people have used them. The function of each card is similar. If you want to compare, you should compare whether the network is sound and all kinds of charges. A bank's network is sound, and there are more merchants signing contracts with it, which is convenient for everyone to use. This is a positive correlation. From this point of view, banks with a long history of establishing diplomatic relations between workers and peasants have more advantages. Of course, the cost is also the most important reference. For example, the withdrawal fee has become a trump card for a family.

I used the dual-currency dragon card of CCB and the golden spike card of ABC. Longka has a minimum interest-free period of 20 days and a maximum interest-free period of 50 days. Cash withdrawal is based on five thousandths of the handling fee and the maximum credit line is 30%. Annual fee in 80 yuan, free in the first year, three times in the second year and free in the third year. The rules of Jinsui Card are similar, and there are SMS reminders after each credit card consumption, which saves the worry of credit card theft and is very warm. It's nice to give away small gifts. The credit card is valid for three years.

When applying for a card, the bank requires the cardholder to carry an ID card, have a local household registration, have a stable job, earn more than 20,000 yuan a year, and have an income certificate issued by the company. The overdraft limit is 2.5 times of the monthly income, and it usually takes more than one month to complete. But now the financial crisis, banks are very strict about the issuance of credit cards. This is just a general idea. Maybe the standards vary from place to place.

Recommend a comparative list of annual card fees, interest-free period, cash withdrawal fees and loss reporting fees found on the Internet. The content may be changed, for reference only.

Card name annual fee, interest-free withdrawal fee and loss reporting fee of the issuing bank.

China Industrial and Commercial Bank Peony International Credit Card

Ordinary card (dual currency):100; Gold card: 65,438+0% of the amount on 200-25-56, with a minimum of 65,438+0 yuan RMB or 65,438+0 USD and a maximum of 65,438+00 USD 50 yuan RMB; Inter-bank ATM cash withdrawal 2 yuan/transaction. 10 yuan

China Industrial and Commercial Bank Peony Credit Card

(RMB) Ordinary card: 50; Gold card: 1% minimum amount for 25-56 days 1 RMB maximum 50 yuan RMB; Inter-bank ATM cash withdrawal 2 yuan/transaction. 10 yuan

China Construction Bank Longka Credit Card

Ordinary card (dual currency): 80; Gold card: 160 50 days abroad: 3% cash withdrawal each time, with a minimum of $3. Domestic: every withdrawal 1%, the lowest in 3 yuan. 50 yuan

China Construction Bank Longka Credit Card

(RMB) Ordinary card: 60; Gold card: 100 50 days. The handling fee for cash withdrawal in different places of CCB is 0.5% of the transaction amount, with the lowest 2 yuan 20 yuan.

Bank of China Great Wall RMB Card

(RMB) Ordinary card: 20; Gold card: 100 1% handling fee for cash withdrawal from other places without interest-free period. 40 yuan.

Agricultural Bank of China Jinsui Credit Card

(quasi-credit card) Ordinary card: 20; Gold card: 80 56 days ATM: 1% amount, minimum 1 yuan; Inter-bank ATM in the same city: 2 yuan/pen; ATM cross-bank in different places: 1% of the amount +2 yuan /50 yuan.

China Merchants Bank China Merchants Bank Credit Card

Ordinary card (dual currency):100; Gold card: 3% of the 200 50-day transaction amount, with a minimum of 30 yuan RMB or US$ 3. 60 yuan

Bank of Communications Pacific Credit Card

(RMB) Ordinary card: 80; Gold card: 160 56 days ATM withdrawal in the same city, each 2 yuan; 1% of the transaction amount is charged for cross-bank cash withdrawal in different places, with the lowest 10 yuan. 50 yuan

Guangfa bank guangfa card

(RMB) Ordinary card: 40; Gold card: 1% handling fee will be charged for 80-48 days in different places, with a minimum of 10 yuan. 45 yuan

CITIC Bank CITIC Credit Card

Platinum card (dual currency): 2000;

Gold card: 300; Ordinary card:100, 3% of the withdrawal amount within 26-56 days, with a minimum of RMB 30 yuan, USD 3 yuan and HKD 30 yuan. 80 yuan

CITIC Bank CITIC Credit Card

(RMB) Ordinary card:100; Gold card: 3% of the withdrawal amount in 200 56 days, with the minimum 30 yuan RMB and 80 yuan.

Shenzhen Development Development Credit Card

(RMB) Ordinary card: 40; Gold card: the withdrawal amount within 80 20-50 days 1%, with the lowest 10 50 yuan.

Shanghai Pudong Development Bank Shanghai Pudong Development Bank Credit Card

(dual currency) gold card: 360; Ordinary card: 180, 5% free if overdue for 50 days.

Industrial Bank Industrial Credit Card

Gold card (dual currency): 200; Ordinary cards: 20-50 days 100, 2% of the amount, minimum150 ordinary cards in 0 yuan or 2 yuan (regardless of different places in the same city), and gold cards are free.

This is also my reference to others. Don't say my ... no ... number. .........