China Merchants Bank's credit card is good and easy to use, and online banking is also easy to use. The only drawback is that the score is too low. Shopping malls only accumulate 1 points per 20 yuan, which is slow to redeem gifts. The credit card of China Everbright Bank can also be used, with quick points, and repayment is not very convenient because there are few outlets. Others, such as CITIC and Hengfeng, are not very convenient to use. I suggest you choose between China Merchants Bank and China Everbright Bank.