There are hundreds of banks in China that are qualified to issue credit cards. Basically, each bank has at least one set of cards that you can apply for. According to the UnionPay card product library, the card levels from low to high are: regular card -Gold Card-Platinum Card-Diamond Card. Generally, a bank will have a series of cards, from low to high, but some banks will have more than one series of cards, with as few as a dozen or as many as dozens (such as Monkey Bank Pufa).

So, how do you find a credit card that suits you from so many banks and various cards?

We can consider the following points (progressive relationships can be considered):

First, credit cards can improve your quality of life, rather than meaningless squandering.

Second, there are bank outlets for the credit card you want to apply for in your city;

Third, the credit card opening gift (new account gift) satisfies your wishes;

Fourth, at least one aspect of credit card benefits/annual fees/appearances can meet your needs;

First of all, you must understand the essence of a credit card: a small short-term unsecured loan from a bank.

This amount of money generally ranges from several thousand to tens of thousands (DLB (big boss) with tens or millions of quotas is not included in this); the interest-free repayment period after use is generally 20-56 If it exceeds 56 days, there will be interest, and the interest is compounded; if you fail to repay overdue, it will have a very bad impact on your credit. It will also have an impact on your future work, going abroad, and taking out a loan to buy a house or a car, so you must make it clear to yourself. The role of credit cards is to spend ahead of time and improve the quality of life, rather than meaningless squandering.

Secondly, if there is no bank branch in the city where you want to apply, it is not recommended that you apply, because now the first credit card application through bank online channels will basically require an interview. Of course, there are many people who have applied for a card in a different place, and those who apply for a first-time card in a different place will also require an interview~~ It can be quite hard to travel hundreds of kilometers to activate the credit card.

Third, sign-up gift.

Users who have never applied for a credit card from the bank (also called new accounts) usually get a sign-up gift when they apply for a credit card. Common ones are umbrellas, thermos cups, backpacks, suitcases, and High-end other gifts. This information will usually be prompted under the introduction of the relevant credit card page on the official website. For example, in my favorite CMB Mobile Life APP, you can see the opening gifts for the various cards you want to apply for.

Fourth, be sure to like at least one of the benefits/annual fees/appearances

You can write a long article on these aspects, so let’s briefly talk about them here.

Privileges refer to the privileges of the credit card you want to apply for, such as: gas discounts, hospital registration and consultation, airport VIP lounges, airport transfers, good mileage redemption ratios, high-end hotel redemptions, golf privileges, etc., or It’s something you just need for your own use, or it’s wool rights that can be cashed out in a way. If so, then go for it!

Annual fees. Generally, Gold Cards are free of annual fees in the first year or waived for several purchases, so they have relatively few benefits. Platinum and above cards have higher annual fees, and most of them cannot be waived. The annual fee or annual fee-free policy is more stringent, and the additional benefits are better. Only when you no longer care about the annual fee of your credit card (commonly known as "desensitization") will your credit card enter a new realm, because the annual fee is either worth the money or you can double your money back.

Appearance is generally for gold cards that can waive annual fees, such as Pufa and Minsheng. They are well-known card-issuing madmen in the industry, and all new cards have good appearance (Forbidden City series cards, Yan card, Van Gogh card, etc.)