At present, I feel that credit cards are more useful in first-tier cities, regardless of discounts. In second-and third-tier cities, you will find that credit cards are not as good as savings cards, because credit cards are the most affordable only by swiping, and there is a handling fee for withdrawing cash. There are not many shops with POS machines in small cities. If you like online shopping, it doesn't matter which city you are in. Let's use China Merchants Bank. After all, China Merchants Bank's credit card is the most famous.