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Which is better, China Merchants Bank or Guangfa Bank, Zhihu?
both credit cards are good.

The "installment payment" function pioneered by China Merchants Bank can repay the consumption in installments without any handling fee; Citibank and MasterCard co-branded cards, enjoy more international travel, shopping and food concessions; Good customer service and after-sales service, can provide fast complaints and dispute resolution; Provide a variety of preferential activities, such as cash back, point redemption and so on.

Guangfa Bank has a low threshold for card opening, which is suitable for users with different income levels; Provide a variety of preferential activities, such as cash back, point redemption, etc.; Can enjoy preferential travel, shopping, entertainment and other services; Provide a variety of practical functions, such as bill installment, withholding and repayment, etc.