China Merchants Bank: There are many types of cards with wide coverage, and there are many card designs to choose from. China Merchants Bank’s online banking is also good, and points can be redeemed for rich gifts. It is currently the fastest growing bank in domestic credit cards. However, there are slightly fewer outlets, so repayment is sometimes inconvenient.

Guangfa: There are relatively fewer card types compared to China Merchants Bank, but the application procedure for Guangfa Card is fast, no guarantor or reserve fund is required, the interest-free period can be up to 50 days, and the repayment is flexible, and you can choose the minimum repayment You can also choose to repay the entire amount, and the credit limit can be recycled to manage finances freely. Accumulate credit and increase credit. By swiping your card, you can accumulate points and redeem them for gifts. Installment payment of up to 12 months is not limited to merchant products. As long as a certain amount is reached, installment payment can be made. These two points are unique aspects of GF.

In actual use, it varies from person to person, and many factors must be considered.