What kind of credit card is worth having? I now have Shanghai Pudong Development Bank, Huaxia Bank, China CITIC Bank and Bank of Communications. Let's talk about the advantages and disadvantages of these four banks first. The interest rates of Telecom and CITIC are relatively high. I usually regard them as a specialty of the vegetable market. Pufa cards are chicken ribs, but they are used in large quantities. It used to be a small card of 500, but now it has to be a fixed card of 5000+a temporary card of 20000. Huaxia card is difficult to use here, because there is no cooperative merchant and it is my first credit card, so the quota of 30 thousand is fixed now, which is half dead.