Method 2: Bank of Communications, handle the VIP card of Bank of Communications financial management, leave 50,000 yuan in the account, and handle the gold card of Bank of Communications credit card at the same time, with the limit of 1 10,000, which is fast and convenient for repayment; Method 2: Shanghai Pudong Development Bank can handle their credit cards as long as it has held other banks' credit cards for more than six months. There seems to be a gift, and the amount is relatively high, indicating that repayment is more troublesome.