All credit cards are the same. There is no handling fee for credit card spending nationwide, and there is no annual fee for credit card spending three times in one year.

More than 6 times in the second year is also free.

I have done credit cards in various banks, which means I am not satisfied. Keep asking questions.

However, it is recommended to use [CITIC] Bank, with almost the lowest fees, as long as it is above 18 and has an account.