Personally, I think Bank of Communications is good, and I am also using Bank of Communications. I gave it to 30,000 just after the quota was issued, and now Bank of Communications has taken the initiative to help me increase it to 50,000. The application convenience of the two banks is similar, which is quite convenient, but the activities of Bank of Communications are more practical. For example, 6000 points can be exchanged with 30 yuan for Lotus coupons, or you can get discounts when you eat in many chain restaurants. Another advantage is that the Bank of Communications has more outlets, making repayment more convenient. I will find them in Shanghai.