1) The ICBC Peony Card is the most convenient to use in China. It is a single-currency UnionPay card. If used in China, the network is relatively smooth, and the biggest advantage is that there is no handling fee for cash withdrawals and there is an interest-free period. Longer, whether you spend money on the 1st or the 31st, the payment will be on the 25th of the next month and will not be forgotten. The biggest disadvantage is that the review is strict, the gifts are stingy, and they are renewed every year and cleared every year. 2) CCB Dragon Card is the most satisfying card I have used so far. It has a smooth network similar to that of ICBC, and it also has lifetime points and good gifts. Moreover, there are many special merchants who can get discounts with the card, and there are more joint activities with major shopping malls than ICBC, so the threshold is lower. However, there is a handling fee of about 3% for cash withdrawals, and the repayment date will change by 1-2 days each month. 3) China Merchants Bank Credit Card. I got this for a friend, but I haven’t used it much. China Merchants Bank is now focusing on building retail business, so the service is first of all very good, and its cards are relatively authentic credit cards that can be used internationally and are easy to use, but there is no password. There are many special merchants and the functions are relatively powerful, but it costs 20 yuan to accumulate 1 point. The goal is very ambitious, it is Passat! 4) CITIC, Industrial and Minsheng have so many gifts for applying for cards! Since I am a bank employee, it is easy to apply for a card, so I have changed a lot of transportation cards, bear decorations, toasters, ovens, mice... Haha, it is also very convenient to withdraw the card, and all the cards from these banks are OK with just one phone call. It is a form-filling gift and a consumption gift, so when you apply for the card, don’t forget to ask the staff for gifts. 5) I have never used Pufa, but my friends have done it for the DVD player. The points are given out and they are often easily given to you. 50,000 points, the gift is not bad, but the redemption threshold for the same gift is higher than that of CCB. One big drawback is that points will be deducted for free annual fees, but since their points are so easy to get, so what if they deduct 2,000-5,000? 6) Agricultural Bank of China does not have a credit card; Bank of Communications just promised a friend this morning to help him complete his annual quota. 7) Shenzhen Development Bank is not sure. Guangfa has a friend in it, but since she has no quota, I don’t need to apply for a card. It is said that 500 points can do it. You can redeem gifts, and the card design is quite beautiful. It is a special card for women, and you can buy clothes at a discount... However, this function is available in China Merchants Bank Ruili Card and CITIC Magic Card. You mainly need to check which bank in your area is convenient for repayment! I'm from Baoji, and what I have in hand are: Bank of China, and Minsheng Bank (the service is very enthusiastic, the customer service phone number is always available, and there is no handling fee for cash withdrawals, etc.) My favorites~~~Hahaha