各银行透支卡的优缺点（Advantages and disadvantages of bank overdraft cards）.docVIP

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各银行透支卡的优缺点（Advantages and disadvantages of bank overdraft cards）.doc

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各银行透支卡的优缺点（Advantages and disadvantages of bank overdraft cards）

各银行透支卡的优缺点（Advantages and disadvantages of bank overdraft cards） The four big state-owned commercial bank: Construction Bank: advantages: 1, free for the first year fee, brush three times free annual fee; 2 free SMS; 3, fee is only 0.5%; 4, the loss of 50 yuan fee; 5, directly to the car credit card, as long as there is a displacement of 1.4 or more the car can easily do card. Disadvantages: can change the integral and differential Chinese gift Bank: advantages: 1, free for the first year fee, brush five times free annual fee; 2 free SMS; 3, fee is only 1%; 4, the loss of fee is only 40 yuan for gifts required disadvantages: high points, variety of gifts less ICBC: advantages: 1, a card brush 5 times a year or year of annual consumption of 5000 yuan free, or to exchange 2000 points a year fee 2 yuan Puka; and fee free; 3, overflow payment reclaim fee free; 4, the loss of only 20 yuan; 5, network faults 1, SMS service charges 2 yuan / month; 2, gift points required, gift fewer types of Agricultural Bank: advantages: 1, free for the first year fee, brush five times free annual fee; 2 free SMS; 3, cash withdrawal fee is only 1%; 4, The loss of fee is only 50 yuan; 5 more outlets, disadvantages: 1 kinds of credit cards and card procedures; 2, relatively complicated; 3 points can be redeemed for gifts less investment banks: advantages: 1, free for the first year fee, brush six times free annual fee; 2, free SMS 3, report the loss of fees; 60 yuan; 4, good gift points disadvantages: 1, fee high 3%; 2, fewer outlets CITIC Bank: advantages: 1, issuing within one month after the brush once free for the first year fee, credit card five times free annual fee; 2, free SMS, send a 3 accident insurance; disadvantages: 1, a fee for high 3%; 2, 3, fewer outlets; the loss of high fees for 80 yuan; 4, but many gift points required higher Industrial Bank: advantages: 1, free for the first year fee, brush five times or consumption of 3000 free annual fee 2, the loss of 50 yuan; disadva