It mainly depends on the convenience of your use. You should consider the convenience of credit card repayment. If you usually use other cards of Minsheng Bank, you can apply for a credit card of Minsheng Bank. If you usually use CCB card, it is more convenient to apply for CCB credit card. If you are a car owner, CCB's car card can get free car washing and other preferential activities, and Minsheng's credit card sometimes does activities, and you can send gifts when you brush it.