Both are okay. If you have to compare, I recommend the Agricultural Bank of China.

1. Currently, there is no limit on the number of credit cards that Agricultural Bank of China can apply for. You can apply for a credit card through the following channels: WeChat Bank: WeChat version 8.15.0 official account--click "I want a card" in the lower left corner--I want to apply for a card ”, select the card type and apply for a card. Apply for a credit card in Personal Mobile Banking: Enter Personal Mobile Banking, click "Credit Card - Application - Online Application" on the homepage, enter the applicant's information, select the credit card product, fill in the application information and submit.

2. To apply for a credit card in the classic version of personal online banking: enter personal online banking, click "Return to Classic Edition" in the upper left corner of the page, and click "Credit Card - Card Management - Credit Card Application". Apply for a credit card in the fashion version of personal online banking: log in to the fashion version of online banking, click "Credit Card - Apply", select the card, read the agreement, and follow the page prompts.

3. Online application: Applicants can bring their identity documents, proof of income, and proof of assets to apply. If they have a foreign household registration, they also need to provide a residence permit. The specific conditions for applying for a card are subject to the requirements of local outlets. Compared with last year, the non-performing rate of CCB's credit cards has increased the most, but it is still at a low level in the industry. In their financial reports, most banks believe that the increase in credit card non-performing rates is mainly due to the epidemic, but the pressure of non-performing credit cards is already looming, and many banks have begun rectification work on credit cards since last year. Operating environment: Apple 12ios14

1. In 2020, in order to reduce risks, Agricultural Bank of China, Bank of China, and other banks have issued announcements to further restrict credit card violations. Cardholders are required not to obtain bank credit funds, points, rights, prizes or value-added services through any illegal or false consumption such as cash-out, fraud, malicious billing, etc.; they are not allowed to use any fraudulent means or illegal tools to maliciously obtain rights or benefits. It is clearly stated that Personal credit card overdrafts should be used in the field of consumption and shall not be used in production, operation, investment and other non-consumption fields, including house purchase, securities investment, financial management, other equity investments and other prohibited fields.

2. At the same time, supervision also provides early warnings on the risk of rising credit card defaults. In June last year, the Consumer Protection Bureau of the China Banking and Insurance Regulatory Commission pointed out in the "Consumption Tips on the Reasonable Use of Credit Cards" that some consumers rely too much on credit card overdrafts for consumption, taking on large credit card loans that exceed their ability to repay, and even falling into the "loan to repay" situation. The situation of "taking out a loan" and "using a card to maintain a card" has led to problems such as tight funds and doubling of repayment pressure. Consumers should correctly understand the functions of credit cards, use rational overdrafts for consumption, do not "use cards to maintain cards" or "repay loans with loans", let alone "borrow for a short period of time and use them for a long time", and rationally give full play to the consumption support role of credit cards and other consumer loan tools.