Personal preference for PICC is because the requirements for handling credit cards are quite strict now. China Merchants Bank stipulates that individuals can't issue cards if they have more than six credit cards. China Merchants Bank is stricter than other banks in issuing cards. It is suggested that PICC customer service should be linked to the salary of the credit card salesman and the number of cards to be handled, but the relative degree of freedom of work is still to choose China Merchants.