I think it’s good. I used to mail some small gifts, but now I don’t. Haha, actually, I mainly think it’s good that it has free text message reminders for payment and repayment. Mine. With credit cards from other banks, if you want text messages, you either have to spend money to customize them, or you need to spend more than a certain amount in a single transaction, which is inconvenient. Moreover, Everbright's credit cards directly have online payment functions, so you don't need to activate them separately. For online shopping, Very convenient. However, relatively speaking, the limit is not as large as other banks, but I can't use it. I used to have credit cards from a bank, but now they are all stopped, so I only keep them from this bank. The only inconvenience is that there are relatively few outlets.