Personal recommendation: ICBC and CCB reasons: First, since it is to handle bank cards for online stores, it is necessary to consider whether the online trading platform fully supports bank card payment and transfer. Second, we should take into account that there are many bank outlets and ATMs in this area, which is convenient for bank card access. Third, it is necessary to consider whether the payment instruments in the hands of customers and buyers are similar banks, and peer-to-peer transfer will reduce costs compared with inter-bank transfer. The number of outlets of ICBC and CCB in the city is absolutely dominant, and almost all online payment platforms in China support the payment and transfer of these two bank cards. After comprehensive consideration, it is concluded that it is better for ICBC or CCB to apply for credit cards of these two companies, and the credit card consumption and online payment can be interest-free for 25-56 days, instead of applying for quasi-credit cards (credit cards), which only have interest on demand deposits and no interest-free period for consumption.