1, annual fee, cash withholding fee, installment fee, etc.
2. The number of bank outlets or repayment points;
3. Whether the points are favorable or not, and whether there is much cooperation between merchants;
4. Additional products or services, such as high insurance, golf privileges and airport VIP privileges.
PUFA and Guangfa's credit cards are supported by Citigroup. Pufa has a higher utilization rate than Guangfa because it issued cards earlier. Guangfa is in the period of market expansion due to its short cooperation with Citigroup. Maybe the activities and rates are more favorable. The credit line is also higher.
If you are struggling, I suggest you do both. If it is not good, sell it again.