No matter where you apply for a credit card, it mainly depends on your purpose. Basically, credit cards from domestic commercial banks can suffice. If you need to use it abroad, you can apply for Visa or UnionPay universal credit cards, such as the Bank of China Credit Card. , ICBC’s Peony Credit Card, and Agricultural Bank of China’s Golden Harvest Credit Card all have these functions. In addition, if you apply for a joint-stock commercial bank without activating it, you will be charged an annual fee. State-owned joint-stock banks will not charge an annual fee if you do not activate it. (I use one from the Agricultural Bank of China). The annual fee is waived in the first year and the annual fee is waived in the second year by swiping the card 5 times in the following year. You can choose to apply for it yourself.