Hello, there is no best answer to this question. There is no best or worst bank, they all have their own characteristics. You have to choose a bank to apply for a credit card based on your own circumstances. The following banks will give you a reference.

China Merchants Bank Credit Card

The application threshold is extremely low, and points are permanently valid; online banking has powerful functions and is easy to operate, making it suitable for those who value service more than points.

The Bank of Communications credit card application threshold is low, and the credit limit is increased quickly; the interest-free period is 56 days long, and the installment operation is relatively cumbersome.

ICBC has more than 30,000 credit card outlets across the country. It is currently the bank with the most outlets in China. The application threshold is too high and the limit is too low.

China Construction Bank has many credit card outlets. ; Compared with the other three state-owned banks, the application threshold is lower; the cash withdrawal fee is low (0.5), overdraft cash withdrawal supports minimum repayment, the limit is generally low, and the limit increase is slow.

Guangdong Development Bank Credit Card

You can withdraw cash 100% by credit card after using it for half a year; it has a long interest-free period; the installment starting point of "Bangxiangxing" is low (only 500 yuan); There is 48-hour card loss protection

CITIC Bank credit card is easy to apply for; the installment limit is relatively high (up to 5 times) and does not occupy the limit.

Bank of China started issuing credit cards in 1985, making it the earliest credit card issuer in China. Overdrafts require cash points; the limit is low.

Agricultural Bank of China has many credit card network points; it is convenient for repayment, supports automatic deduction by agreement, and has a long interest-free period of 56 days; it has professional business and travel services for credit card customers, and the application threshold is relatively high.

China Minsheng Bank’s credit card points are of high value; installments do not account for the limit; there are no handling fees for cash withdrawals; and there are few outlets.