The Bank of Communications is good. I use the Bank of Communications. You can swipe the card, there is no handling fee, and there is a specified time for repayment, usually around 50 days. If repayment is made within this period. There is no handling fee. If you cannot exchange it, the interest rate will be increased by 0.05% per day. If you withdraw cash, there is a handling fee. The handling fee is 1%, which means that if you withdraw 100, you will be deducted 1 yuan. Moreover, the Bank of Communications can be used all over the country. If you go out of the province and swipe the card, there will be a handling fee.

To apply for a credit card, you must also use your ID card and medical insurance card. The place of work, the name of the company, and the limit on the card will be given to you based on your personal annual income. Just write more when applying, it won't matter, he won't know what you do specifically. But you must remember everything you write. He will call you to verify the information. If the verification is successful, your credit card application will be 80% successful. It usually takes half a month for the credit card to be in your hands.