Disadvantages of credit cards
A credit card is a judgment given to you by combining your credit and funds. Since he judged that you don't meet the processing standard, I think you should be glad that you can not make yourself a slave. I started to apply for credits from my job. At first, the quota was 2000 yuan, and later it was 50 thousand yuan. What's the use? It's not like you don't have to pay it back. Every month, because of this early consumption, the old salary is blocked. In a blink of an eye 13 years have passed, and nothing has been achieved, all tears. I cancelled my credit card completely as soon as I woke up. With my present strength, I won't apply for a credit card again.
Be an ambitious young man
If you think the bank looks down on you, then you should try to make money and strive for "let you look down on it at the beginning and look down on it now!" With such ambition, you can develop. And when you really earn a lot of money, you will find how naive the decision to apply for a credit card was.
Final summary:
Under the current legal framework, don't think that you can cash out with a credit card and take advantage of it. In fact, they are often very bad, that is, they catch big fish for a long time until you get used to it. Not only can you not pay back the money, but your credit may also be hacked. So, I think it's a good thing that I can't get a credit card.
Do it at the wage bank
Handling credit cards also requires skill, and some banks prefer white households with credit card approval.
The credit card approval of some banks depends on the credit status of other banks to ensure the security of the principal.
If it is a pure white household with no assets, it is recommended to choose CITIC Bank, followed by Ping An Bank, and finally China Merchants Bank.
CITIC Bank prefers white households and has a relatively high credit line, so CITIC Bank is the first choice.
Compared with China CITIC Bank, Ping An Bank's pass rate will be relatively lower, and its credit line will be lower. Generally speaking, it's good to choose Ping An Credit Card and have car products under your name. As the first card, the credit limit is not too high, the value of automobile products is within 1 00000, and the credit limit of credit card is within 20000, mostly around10000.
The pass rate of China Merchants Bank is similar to that of Ping An, but the quota will be very low. The initial credit line of China Merchants Credit Card is mostly within 1 10,000, and the customers with 5,000 credit lines are relatively concentrated. If you plan to use the credit card for a long time, it is recommended to choose China Merchants Credit Card, because the credit limit of China Merchants Credit Card is the fastest among all bank credit cards. Generally, it takes about one year, and the credit limit is increased from 5000 to 50000. Just pay attention to the swipe posture.
Usually, after you have a credit card, it is relatively easy to apply for a bank credit card, and the amount will basically exceed the first credit card.
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It is really difficult for some banks to get a card. My husband originally wanted to apply for etc, thinking that CCB could do it for free here, so he went and gave him a driver's license. As a result, after waiting for a while, a text message came, saying that the system score was not enough. You know, my husband has a China Merchants Bank credit card, and the limit is still 50,000. As a result, CCB refused. We had to spend 399 yuan to buy a stored-value card etc, but now the etc of the stored-value card is no longer used, and my husband doesn't want to apply.
Speaking of the first credit card, my first one is a joint credit card of Shanghai Bank and China Mobile. It was invited by the mobile phone. It's easier to get this card. My suggestion is never to apply to CCB, it is easy to be rejected.