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Is it better for ICBC or China Merchants Bank to apply for a credit card now?
It should be better to get a credit card from ICBC.

The total installment interest rate of ICBC Credit Card 12 is 3.3%.

The total rate of ICBC credit card 12 cash installment is 2.6%.

The installment rate of China Merchants Bank's credit card 12 is 8. 16%, and so is the cash installment.

The line of ICBC credit card is also the line of ICBC credit loan financing e-loan. You can apply for credit loan financing electronic loan in online banking \ mobile banking. The annual interest rate of 12 is 5.22%, and that of 13 -24 is 5.7%.