The reason for applying for one Shanghai Pudong Development Bank credit card instead of two may be because the bank clerk is marketing the credit card, or the two credit cards issued by the bank are a set of cards, one is a UnionPay card, and the other is a MasterCard or visa card. These two cards share a limit, so you can use either one. If you only want to use one Shanghai Pudong Development Bank credit card, you can cancel another card at a Shanghai Pudong Development Bank branch or call the Shanghai Pudong Development Bank customer service hotline.