If you plan to apply for a CMB credit card, you often spend money at home. If Haitao doesn't need it, you can apply for a UnionPay single currency card. If you need to spend money abroad or Haitao, it is recommended to apply for a dual-currency credit card.
(Reply time: 2065438+200865438+February 28th, the latest business standards are subject to the announcement of China Merchants Bank in official website).