When it comes to the order of applying for credit cards (debit cards), everyone has their own ideas. Some people like to start by applying for the four major bank cards, and some people like to start with commercial banks with high credit limits. It’s different, but in the end they can all lead to the high-stakes multi-card path. Based on my many years of experience, I would like to share with you what I think is the way to apply for a card.

First of all, if you are a white banker, it is recommended to apply for your first credit card (debit card) at Bank of Communications. Bank of Communications is the bank with the best approval. You can find a local card salesperson to apply. , remember not to apply online if you are a white household! Normally, the credit limit for white households with a college degree or above is between 5,000 and 15,000.

It is recommended to apply for investment promotion for the second credit card (debit card). Why do you say this? After you apply for Bank of Communications, you are no longer a white bank account. It is easier to apply for a China Merchants Bank card at this time, and the limit is about 10,000. China Merchants Bank Credit Card (debit card) is the bank that increases the limit the fastest. First, maintain the China Merchants Bank Credit Card (debit card), swipe it frequently, and withdraw it once every three months. You can use the card in 6 to 8 months. Raise it to 60,000. After raising it to 60,000, apply for a 60,000 merchant card with a card.

For the third credit card (credit card), it is recommended to apply for Guangfa. Use China Merchants Bank credit card (credit card) to apply for the card. As long as the China Merchants Bank card has been used for one year, the approval rate for the Guangfa card will generally be higher. For investment promotion of 60,000 yuan, after practical operation, the card is generally approved for 70,000 yuan. The limit increase time for China Guangfa Bank credit card (debit card) is 3 to 6 months.

For the fourth credit card (credit card), it is recommended to apply for an Industrial Bank credit card (credit card). Industrial Bank is also a relatively easy card to maintain. Use Merchants to apply for a card with a credit card, and the limit will be around 60,000. . If used well, it should be fixed every 3 months.

The fifth credit card (debit card) is suggested to be China Construction Bank. Why China Construction Bank? When you have more than 6 credit cards (debit cards) from other banks, it will be more difficult to get approved for the China Construction Bank credit card (debit card). Therefore, it is recommended to apply for it when you have fewer cards. It is better to apply for a card before applying for a card. Open a savings card at China Construction Bank, go through the flow, and then apply for it.

For the sixth credit card (credit card), I recommend Minsheng. Minsheng Bank’s credit card (debit card) is also a good bank. If you use the card well, you can withdraw it once every three months, but the increase in the limit is not large. But it's still worth having.

The seventh credit card (credit card) recommendation is ICBC. The ICBC credit card (credit card) is a must-have card for card players. Why do you say this? ICBC's credit limit can be very high. Don't be surprised when you see someone's ICBC card suddenly raised from 2,000 to 50,000. That's what ICBC is like! Before applying for an ICBC credit card (debit card), it is recommended that ICBC pay wages, ICBC wealth management, ICBC housing loans, car loans, and deposits. If not, you can buy precious metal gold and make 1 million turnover. The contribution star will be updated on the 5th of next month. When you reach double 6 stars, you can apply again then. The approved card limit is between 5,000 and 50,000. It doesn’t matter if the limit is low, just continue to make contributions, and then call to increase the limit.

The eighth credit card (debit card) is recommended to be the Agricultural Bank of China. The Agricultural Bank of China credit card (debit card) is also a must-have card, and it is fixed to withdraw it once every three months. Before applying for the Agricultural Bank of China, open an Agricultural Bank of China savings card, go through the flow, buy some funds for financial management and foreign exchange, and apply again a month later.

The ninth bank credit card (debit card) recommends CITIC. It is not easy for CITIC to increase the limit, but it is easy for CITIC to raise loans, namely New Quick Cash and Dream Realm Fund, with great limits.

For the tenth credit card (debit card), I recommend Shanghai Pudong Development Bank. The loans behind Shanghai Pudong Development Bank cards are also quite powerful. They can easily give you a loan of more than ten or two hundred thousand.

The 11th Credit Card (credit card) suggested that Everbright should reduce the liabilities of other bank cards before applying for an Everbright Bank credit card (credit card), and control it below 70%. Everbright’s increase in the limit is relatively stable. Mention is fixed once every 6 months.

The twelfth credit card (credit card) recommendation is Hua Xia. It is easier to apply for a Hua Xia Bank credit card (credit card). You can apply for a card by providing another bank's card.

The Thirteenth Company contacted Ping An Bank. It is also easier for Ping An Bank to approve the card. It can be submitted online. The limit is not easy to refer to, but the limit is also increased every six months. As long as the credit card (debit card) is swiped in multiple ways, it is still Relatively stable.

The above is my summary of how to apply for a card.

In fact, everyone’s path to apply for a card is different. All roads lead to Rome. The methods of applying for a card and maintaining a card are different, but the final result can be the same.