1. Pay attention to the charging standard of credit card annual fee and the rules of annual fee exemption.

2. Pay attention to choose the bank that suits you to apply for a credit card. The cash withdrawal fee and cash installment fee of each bank's credit card are different, so it should be clear when handling;

You should apply for a suitable credit card according to your own needs. For example, credit cards such as MasterCard and VISA cannot be swiped on UnionPay POS machines. Generally, UnionPay single currency card or UnionPay dual currency card and other currencies are used in China.

4. Pay attention to the preferential rules and points rules of credit cards.

Requirements for applying for a credit card:

1. The credit card applicant must be a China citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

2. The purpose of the loan is clear and legal, and the borrower has the willingness and ability to repay;

3. The borrower's credit status is good and there is no significant bad credit record.

Article 33 of the Measures for the Administration of Credit Card Business

A company that opens a basic account in a financial institution in People's Republic of China (PRC) (China) may apply for a company card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.