Comparing the two, let’s analyze their respective advantages:

BoCom has relatively more outlets and its repayment convenience is better than that of Industrial Bank, so Bank of Communications wins.

Bank of Communications has fewer types of credit cards and co-branded cards, while Industrial Bank has more types. Industrial Bank wins in terms of personalization.

In terms of limit approval, if the same person submits a credit card application at the same time, generally speaking, the credit limit of Industrial Bank will not be lower than that of Bank of Communications, and Industrial Bank will win.

In terms of credit card preferential merchant discounts, Bank of Communications has more preferential merchants than Industrial Bank, and Bank of Communications wins.

In terms of credit card-related fees, Bank of Communications' credit cards will charge annual fees even if they are not activated, while Xingye's credit cards will not. The charging standards are similar, with Xingye having a slight advantage.

In terms of services, Bank of Communications is slightly better than Industrial Bank thanks to its network advantages and management experience.

Therefore, if I choose, I will choose Bank of Communications, because convenience of repayment is an important criterion for my choice.

As for you, it depends on which aspect you value more before you can make a choice that suits you.

As for other banks, I recommend China Merchants Bank, Minsheng Bank, and the four major banks. Personally, I feel that they are easier to use than these two.