Hello, since you are from Changshu, I suggest you directly apply for a credit card of Changshu Rural Commercial Bank. On the one hand, it may be easier for locals to apply for credit cards from local banks. On the other hand, the credit card of Changshu Rural Commercial Bank may have more cooperation with local merchants in Changshu and enjoy preferential treatment. At present, Changshu Rural Commercial Bank issues two kinds of credit cards.

1. Gold credit card. Granular gold credit card is an ordinary personal standard card. Changshu Rural Commercial Bank's standard granular gold credit card can be used at home, overseas merchants and ATMs marked with the word "UnionPay", and settled in RMB. At present, the annual fee of granular gold credit card is free, and cardholders can also enjoy special benefits such as hands-free cash handling fee and free SMS notification.

2. Elite Life Credit Card. Elite Life Credit Card is a personal credit card product for people in high-quality industries, which can be recycled during the credit period. Its applicable groups are: official staff of state organs and institutions, employees in the financial industry, and high-quality professionals recognized by banks. It can be said that the elite life credit card is more similar to a business card.