There is no difference in the use of credit cards between the two banks, just because it is convenient for you to choose the repayment method. I have both cards, and I have the following experience:

There are many credit card activities in Bank of Communications, and there are often prizes or free food and beverage rolls (I got two free rolls from Pizza Hut, which are quite practical). But it is only effective to apply after paying attention to online activities.

CITIC Bank's credit card follow-up service is good, and salesmen often tell you what discounts are available, but the new card offers more discounts.

In terms of installment shopping, the price of CITIC is slightly lower than that of transportation, and there are more varieties.