It is recommended that you use China Merchants Bank. The service is good and there are many activities. Your information can be applied for, as long as you fill out the form carefully and in detail when applying. Now the interest-free period of all banks is more than 50 days. You can apply for credit cards from multiple banks at the same time without any impact; and now the bank approval time is almost the same. You can't choose who will be faster in terms of billing. The mailing responsibility is not the responsibility of the bank but the post office. China Merchants Bank is good. CITIC is also good but it is difficult to apply. CITIC's service is better.