Comparing the credit cards of China CITIC Bank and China Guangfa Bank, experienced professionals please help us compare and analyze which one is better?

(Compared with all similar things) Relatively speaking.

1. CITIC Bank has more outlets than Guangfa Bank, making it more convenient to handle business.

2. There are many types of CITIC bank cards and various choices;

3. CITIC Bank integral gifts are not as affordable as Guangfa gifts.

4. CITIC Bank has a little more activities than Guangfa.

5. All cards of Guangfa Bank can be applied online, while only a few cards of CITIC can be applied online;

6. There is not much difference in the use of credit cards.

7. The overpaid part can be retrieved free of charge at any branch of Guangfa Bank and ATM machines; CITIC Bank needs to charge.