I consider the China Merchants Bank Credit Card to be the best credit card I have ever used. I sincerely recommend you to apply for one.

From the perspective of annual fees: if you use it in the same year (swipe the card 6 times, regardless of the amount), the annual fee will be waived.

From the perspective of online shopping: you can shop online; you can check transfers online without signing an online banking agreement; you only need to enter your ID number and card password for online banking; of course, you only need to enter your password for consumption and withdrawals. Can be used.

From the perspective of interest: no interest will be charged for repayment before the 23rd of the following month after swiping the card for consumption; interest will be calculated at 0.5% from the same day on cash withdrawals.

Of course, these are not the main points I want to say. The main point is that the threshold is low! It’s easier to apply and the amount is OK.