Every bank is basically the same. For a newcomer like you, the overdraft limit will not be very high. I suggest you choose a credit card that suits you. For example, CCB has a Barbie credit card, and you can use points to buy Barbie toys, or a Transformers credit card, or you can use points to buy Transformers (which other cards can't buy), or a car card, and you can get a discount when you buy accessories and gas.

If you are a shopaholic, I suggest you apply for CITIC's Magic Card. If you spend this card a lot every month, there will often be double points or over-value purchases. Considering that you are an office worker, you are usually very busy. From the point of view of convenient life, I suggest that you set up a credit card for the payroll bank, associate the payroll card with the credit card, and handle online banking business, so that it is convenient for you to overdraw and repay, avoiding the two situations of saving money in order to pay back the credit card, or paying for transfer and repayment online, and you can shop, pay fees and invest online.