You are talking about credit cards, right? The four major state-owned commercial banks (China Construction, Industry and Agriculture) all have their own credit cards. Bank of Communications, China Merchants, China Everbright, Huaxia and Minsheng also have distinctive cards. Personal suggestion, one for BOC, China Merchants and Minsheng respectively. Bank of China can be used at home and abroad, and the points can also be converted into flight miles. There are many merchants who attract investment and discount people's livelihood. Agricultural Bank of China card is the most complicated and the service is the worst of all cards, so it is recommended not to do it. See which bank you have there, you can do it, bring your income certificate and my ID card!