Hello, I think Bank of Communications’ credit card is pretty good. There are differences between China Merchants Bank and Bank of Communications in several aspects, mainly as follows: First, the points are different. The points of China Merchants Bank are 20 yuan per point, while those of Bank of Communications are 1 yuan per point. Second, the repayment time is different. For China Merchants Bank, it is one month, and for Bank of Communications, the minimum is 25 days, and the maximum is 56 days. Therefore, it is not difficult to see that the credit card of Bank of Communications is better than the credit card of China Merchants Bank to a certain extent, so if you want to apply for another card, you can choose Bank of Communications.