Both of them have their own advantages.

According to Toutiao data, CITIC Bank is one of the earliest emerging commercial banks established during China's reform and opening up. It is a formal bank approved by the China Banking Regulatory Commission and provides customers with retail banking, credit cards, consumer finance, and wealth management. , private banking, overseas finance, electronic banking and other financial products and services, which can well meet customer needs.

Shenzhen CNCBI is a wholly-owned subsidiary of the China CITIC Bank Credit Card Center Trade Union. It mainly assists the card center to carry out credit card marketing and promotion-related businesses, established a business system, management mechanism and operation model, and built a "standardized and systematic , process-based” management system, and has established a complete organizational structure and management team. Employees are located in more than 70 cities across the country, playing a key role in the business development of the card center.