ICBC is the bank with the highest market value in the world. In recent years, it has launched the Young Credit Card, Star Card, Struggle Card and Military Soul Card. Generally speaking, it is multi-currency. ICBC's multi-currency is equivalent to all currencies, so it is better to go abroad or something. Followed by China Merchants Bank, China Merchants Bank's activities are very strong, and the points are relatively valuable, and the amount is generally high. Citic, which focuses on 9 sharing activities, is still quite popular. I use it myself. If we consider the future loan demand, CCB and CCB are good choices. Personal point of view