Different series of credit card products issued by different banks are consistent in core/basic functions, including overdraft consumption, installment payment and large cash withdrawal. The nuance of this point is reflected in the different credit lines. However, the factors that affect your choice of credit card issuer include whether the distribution of credit card outlets is dense, whether the issuer's audit is strict, whether the issuer's card-handling process is efficient, and whether the value-added services of the issuer's credit card products attract applicants.

What you emphasize is your region, and I think you will pay more attention to the distribution of bank outlets (which will affect your convenience in handling business), so you can choose the four major state-owned banks with more outlets and the city commercial banks with more local distribution-Bank of Beijing.