You only need these 5 steps to choose a suitable credit card

1. Select according to the currency of the credit card

Credit cards are divided into single currency cards and dual currency cards according to currency. , multi-currency cards and other 3 types. Single currency cards are mostly UnionPay RMB cards, which can only be used to pay in RMB. If you need to use a credit card, you can choose a dual-currency card or a multi-currency card. The specific card you choose depends on your needs.

2. Choose the right credit card institution

Different credit card institutions will have different card issuance efficiency, limits, and rates. In addition, the network settings and service quality of the card-issuing bank also need to be considered. The more branches there are, the more convenient it is to use a credit card. In addition, with the rise of online payment, it also depends on whether the credit card can be connected to third-party payment platforms such as Alipay and WeChat.

3. Determine the credit card level according to your own situation

Credit cards generally include regular cards (standard cards), gold cards, platinum cards or diamond cards. The higher the credit card level, the greater the credit limit, and of course the difficulty in applying. Therefore, you should determine the credit card level you want to apply for based on your financial strength, purchasing power, credit rating, etc.

4. Select the type of credit card according to the main purpose

Credit card types include standard cards, theme cards and co-branded cards. The standard card is the most basic credit card, with the most basic functions of consumption overdraft and cash withdrawal overdraft. The theme card has the same functions as the standard card, but relies on certain cultural elements for promotion, such as Bank of China Olympic Card, China Merchants Bank Hello Kitty Card, etc. In addition to having the functions of standard cards, co-branded cards are generally cooperation between banks and shopping malls, airlines, travel websites, gas stations, etc., such as gas cards. Therefore, when applying for a credit card, you can determine the type of credit card based on the main purpose of applying for the card.

5. Understand the various fees of credit cards

In addition to the annual fee, credit cards also have fees such as cash withdrawal fees, late payment fees, full penalty interest, and installment fees. You must understand the various fees before applying for a card, otherwise your personal credit may be affected if you accidentally fall into arrears.

How to choose a credit card

The choice of credit card can be based on its purpose, card issuer, limit, etc.

The following are relevant tips for choosing a credit card:

1) Choose based on use: The first principle for choosing a credit card is: your own preferences and common uses. For example: If you like to travel, you can choose airline cards launched by various banks for aviation, accumulate mileage, and redeem gifts, allowing you to enjoy the sweetness while traveling around the world.

2) Based on the choice of card issuing bank: When applying for a credit card for the first time, it is recommended to choose card issuing banks such as Guangdong Development Bank, Shanghai Pudong Development Bank, CITIC, and Bank of Communications, because these banks have lower application thresholds, and have many activities and are full of strength. You have fun. In addition, try to choose a bank with payroll cards to apply for a credit card, which will greatly increase the success rate of card application.

3) Choose based on the limit: Especially when applying for a credit card for the first time, remember not to blindly pursue a high limit, but choose according to your own situation. Credit cards are for advanced consumption, and accidentally using too much will not affect the tax. It would be troublesome to believe that.

4) Choose based on points: From the perspective of the credit card points system, it is more practical and valuable than cash. Because most banks accumulate points for consumption, usually 1 point accumulates for 1 yuan, and a certain amount of points can be exchanged for corresponding gifts. Therefore, it would be very happy if you can double the points accumulated every Wednesday.

5) Based on invisible consumption choices: In addition to the annual fee, credit cards also have basic fees such as interest, cash withdrawal fees, over-limit fees, late payment fees, loss reporting fees, etc., and installment interest and handling fees are also required. Be sure to understand it clearly before choosing a card, and it’s not too late to apply.

1. Different credit cards also have different emphasis on purpose design, so cardholders should choose the type of credit card they need based on their own circumstances. In terms of functions, the types of credit cards generally include shopping cards, travel cards, airline cards, game cards, women's cards, etc. For example, if you often go to supermarkets or shopping malls to make purchases, you can choose its co-branded card, in which case you can enjoy discounts, multiple points, etc. If you often travel for business and fly, you can choose co-branded cards of some airlines. You can accumulate miles on purchases with such cards. If you accumulate a certain number of miles, you can apply for discounts such as free air tickets.

How to choose the type of credit card?

The credit cards of each bank are similar. It mainly depends on the activities. Many banks have overseas cashback activities, such as China Construction Bank, Bank of Communications, and Bank of China. Wait, you can choose the card type you like based on your personal preferences.

How to choose the type of credit card

There are many types of credit cards, and each bank has different ones. You mainly choose the credit card that best suits your needs based on your own needs.

Common credit cards include regular cards, gold cards, platinum cards, etc. The limits of different cards are also different. If you want to apply for a credit card with a higher limit, you can choose a gold card or platinum card. Now some banks have also launched diamond cards and unlimited cards. Among them, unlimited cards are activated by banks actively inviting users to open them.

Different types of credit cards have different rights and interests. Before applying for a card, you can go to the bank’s official website to choose and find some credit cards that you can usually use the rights and interests. Some credit cards will charge annual fees. This You can also find out clearly when making inquiries.

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How to choose the type of credit card (credit card)?

If users need to enjoy certain specified rights and interests, they can directly apply for a themed credit card (credit card), such as airline, car, video, travel, etc. credit cards (credit cards). Users are interested in the services of the credit card (credit card) issuing bank, and can apply for a credit card (credit card) according to their own needs. If you just want to apply for a credit card (debit card) for overdraft consumption, you can choose a credit card (debit card) according to your preference for the card surface.

In short, there are many choices for credit cards (debit cards). Users only need to choose according to their own needs, and basically they will not go wrong.

This ends the introduction on how to choose the card type for credit cards and how to choose the bank card type. Have you found the information you need?