first, look at the type of credit card. Different credit cards have different emphases on the purpose design, so cardholders should choose the required credit card type according to their own situation. By function, the types of credit cards generally include shopping cards, travel cards, airline cards, game cards, women's cards and so on. For example, if you often go to supermarkets or shopping malls, you can choose its co-branded card. In this way, you can enjoy discounts, more points and so on. If you fly frequently, you can choose some Airline Co brand cards. You can accumulate mileage by spending this kind of card. After accumulating a certain mileage, you can apply for free air tickets and other benefits.
second, look at the credit card limit. After choosing a good credit card type, the most important thing to care about is the amount. The higher the credit card limit, the better. Enough to meet your consumption and capital turnover needs. Don't hold too many credit cards. It is best to control between 1 and 3 sheets, which can not only meet daily needs, but also facilitate management.
third, look at the daily expenses. Although it is basically free to apply for credit cards now, when using them, you still need to pay annual fees, cash withdrawal fees, cost overruns and so on. Take the annual fee as an example. The annual fee for credit cards issued by each bank is different, ranging from tens to hundreds or even thousands. However, in order to attract customers, the bank will also introduce an annual fee-free policy accordingly, for example, the annual fee for the first year and the annual fee for the next year will be exempted after swiping the card several times in the same year. If you want to save this money, you'd better choose a credit card with similar policies. After all, the annual fee is not a small expense.
What should you pay attention to when withdrawing cash from a credit card:
1. Try not to swipe the full number when swiping the card. Many merchants do not mark the price as an integer, but generally brush an integer when using credit cards to withdraw money. Generally, 98 or 198 can be used for cash withdrawal. If you swipe 1 or 2 directly, the bank can easily detect it. This card consumption must be avoided.
2. The cash amount is in line with consumption habits. The credit card amount should be consistent with the merchant's consumption amount. For example, it is normal for a hotel POS machine to brush 2-8 at a time. It is illegal to brush tens of thousands.
3. Don't check the balance on the POS machine. Be careful not to check the balance on the POS machine before swiping the card.