At present, all major and small cities in China have regional city commercial banks that have developed in this area, such as Shanghai Bank, Hebei Bank, Hankou Bank and so on. This kind of city commercial bank's credit card certainly has their advantages, of course, this is mainly aimed at the city's credit card holders:

1. The application threshold of city commercial bank's credit card products is relatively low;

2. City commercial banks have a relatively fast speed in reviewing credit card application materials;

3. It takes a relatively short time to send a credit card by post;

4. City commercial banks have more credit card preferential activities for regions;

5. City commercial banks have relatively many outlets in this city.