I don't know what kind of bank you are talking about. Let me tell you a few principles for choosing a credit card: 1. If you go abroad frequently, you'd better choose a credit card with the words "VISA" and "MASTER", so that it can be used basically all over the world; If you don't go abroad often, or go abroad with a travel agency, just have the "UnionPay" logo. 2. Look at the interest-free period, that is, the day between the billing date and the rated repayment date. Generally, banks issue bills once a month, and 20 or 25 days after the bill date is the rated repayment date. Of course, the 25-day interest-free period (55 days interest-free period) is five days longer than the 20-day interest-free period (50 days interest-free period). 3. Easy repayment. If you can repay in online banking, mobile banking, etc. This item can be basically ignored. However, for convenience, we should also avoid forgetting. If you have a salary card, you can apply for it in the same bank and bind it, and you can repay it automatically.