1, the only thing to note is which bank's credit card is more suitable for you, the calculation method of cash withdrawal fee and interest, the installment time, cost, repayment method and amount are different. 2. To apply for a card, just sign it in person with the staff of the bank or credit card department. (Don't apply outside the authorization of the bank or online) 3. If you want more money, apply for more. If not, one is enough. China Merchants Bank ranks first at present. There are many merchants who have signed up for cooperation, preferential activities are often done, and the service attitude is good. Now it is Everbright, Pudong Development, CITIC and Minsheng.