Applying for a CCB card will not exceed 60% of your income at most, but otherwise, the credit card is only suitable for your consumption. For buying a house or a car, the discount is not obvious. In addition, in terms of CCB card points House purchases, car purchases, securities, finance, expenses, medical care, insurance, etc. are basically not counted as points, they just have a repayment cycle.
Personally, I think that if there is a China Merchants Bank in your local area and it is relatively common, you can apply for a China Merchants Bank, because from the service attitude to the increase in credit limit, it is very user-friendly. As long as you do not pay the minimum every month, It can be raised quickly, and the limit can be adjusted even if it is the lowest, but the range is small. In addition, China Merchants Bank’s review is fast and the limit approval is high. If you have an income of 10,000, the approved card limit is almost the same, and it may be higher. In addition, Points are exchanged for gifts and promotions are frequent, which are necessary in life, and personally feel very good.
Finally, let me tell you that I am not a staff member of China Merchants Bank. You don’t need to ask me to apply for a card. You should go to the bank to apply for it. I personally recommend not to apply for a card at the door of a shopping mall or an event venue with the promise of giving a gift. The flag, the "so-called" application point for applying for a card, is not guaranteed, and a copy of the ID card is a very important thing, and there may be many financial crimes, so take precautions before it happens!
In addition, I just saw that it was bundled. I personally suggest that if it is convenient for you to go to the bank to repay, it is best to go to the bank, because it will automatically deduct it then. In case you are financially tight that month and want to pay the minimum, but He deducts it in full, and you don’t even have money to live on.
Finally, I wish you success in applying for a card as soon as possible!