See what your main needs are. If the requirements for the quota are relatively high, the suggestion is to pay the bank. Generally, the amount of approval for Bank of Communications cards is relatively high. Usually, if there are more overdrafts, the youth card of Bank of Communications is good, and the handling fee is very low, and the merchants are also good, and the handling fee is relatively low. If you mainly go out for dinner, shopping and entertainment, China Merchants Bank and Guangfa are both good, and there are relatively more activities at ordinary times. If you usually spend more in installments, it is recommended to distribute it widely, and the handling fee will be relatively low. I don't know much about other bank cards. You can refer to others' answers.