China Merchants Bank and Bank of Communications are easier to handle, and the speed of getting off the card is faster.

China Merchants Bank: It is fast to apply for a card, and generally it uses a diploma (college degree or above). Pay card or proof of salary. Or use another bank's credit card to handle China Merchants Bank's credit card. If there is no requirement for the quota. Recommend this. My first credit card belongs to this bank. I used my work card and business card to handle it.

2. Bank of Communications. I handled it in online banking. It took five days from re-filling online to getting the card, which was the fastest.