I kind of regret getting another Bank of China credit card. Not only is the credit limit low, but the two cards from the same bank actually have to be repaid separately. China Merchants Bank (CMB), on the other hand, allows combined repayment, so you can just bring any one of the cards. However, CMB's reward points system is also quite annoying. Even worse is Bank of Communications; after meeting the conditions of their promotional events, you still have to enter another lottery, but the odds are too low. Last year, they had a promotion saying that if you got two supplementary cards, you'd receive a gift. After a few months, when I hadn't received the gift and called them...