Summary and Optimization Plan for Domestic Credit Cards

I've been quite enthusiastic about overseas credit cards these past two years, and have been relatively indifferent towards domestic credit cards, except for regular maintenance. I rarely pay attention to them.

Since my CCB DaShan White card is about to face an annual fee of 1800 in September, and it's becoming increasingly difficult to earn points compared to previous years, I've decided to cancel the DaShan White card.

Coincidentally, the Agricultural Bank's Elite White card is about to change its annual fee policy. If the card is issued before September 1st, the annual fee for the following year can be waived with sufficient spending. So, I promptly applied for it at a branch. Due to the recent impact of a hard pull on my credit report, I took this opportunity to summarize my current domestic credit cards and prepare for some optimization.

Everbright Bank:

Xiaoxin White Card Set, credit limit of 60K (with increased difficulty in waiving the annual fee and issues with points; I canceled the UnionPay card in 2023, kept the VISA card, and plan to cancel it entirely without retaining any cards).

China Construction Bank:

大山白、DaShan White and Pay White share a limit of 80K. After getting the Elite White card, I plan to cancel the DaShan White card.

China Merchants Bank:

鸟白套卡Bird White Card Set and Dual Currency Gold Card share a limit of 61K (these cards are rarely useful; I plan to keep them for now, but it’s a hassle every year. I intend to cancel the UnionPay Bird White card and keep the All-Currency White card).

Industrial and Commercial Bank of China:

Shanghai Global White (a pseudo DaShan White applied for in 2024) and Dragon Phoenix Platinum share a limit of 65K.

Guangfa Bank:

Water Diamond Card Set, limit of 107K, has been kept for a long time, but now offers no benefits and just occupies a limit for nothing (if I don't get a new card due to the recent hard pull, I plan to cancel it).

Shanghai Pudong Development Bank:

VISA Dream Card, Red Sand Unicom Card, and China Resources Co-branded Card share a limit of 62K (I plan to cancel the China Resources Co-branded Card).华润联名 共享额度62K （计划销华润联名）

HSBC

Lifestyle Card, limit of 29K.

Currently, the total credit limit of the cards I can remember is 464K.

If the Agricultural Bank considers my recent hard pull as 3x, I still have hope of getting the Elite White card. I hope the card will be issued on time next week!