It mainly depends on what you use it for. If you just occasionally buy something online, usually go to the supermarket to swipe your card and don’t want to have a lot of change trouble, and other daily applications, then it will be the same regardless of the business. The basics There really is no difference in function. . . It should be noted that if you often go abroad, be sure to choose a Master or Visa card. Many credit cards in China only support UnionPay, which is not easy to use when going abroad. However, because the competition is very fierce, each bank will cooperate with different merchants and strive to create some features. For example, some cooperate with airlines to accumulate double miles, and some catering companies cooperate with them to eat at half price. These are very Good added value, you can choose and see. I usually use my own credit card. I asked a friend to apply for a Hua Xia card because I wanted to drink half-priced Costa coffee with my colleagues. . .