With the development of economy, people's consumption level is also rising, and their demand for life is getting higher and higher. On the premise of having a fixed salary, many people choose to spend in advance. Now there are more and more ways for people to spend in advance, especially credit cards, which have become the choice of many people.

but when you apply for a credit card, you should pay attention to many things, and many pits must be avoided. Gifts given by credit cards are of high value, and many banks will give gifts when they apply for cards in order to promote their credit cards. Many people also do cards for gifts. At this time, the salesman will say that the value of gifts is very high. At this time, you must keep your eyes open and do it when you really want to do it and combine your actual situation.

Secondly, it is necessary to understand the basic expenses. Almost all credit cards have an annual fee. Generally, ordinary credit cards and gold cards have preferential policies to exempt the annual fee, such as how many times the annual fee is exempted, how many points are used to offset the annual fee, etc. It is helpful for cardholders to save the annual fee if they understand clearly when they apply for a credit card for the first time. Not every bank's credit card is suitable for you. Why do you apply for a card? Because credit cards have an interest-free period? In fact, many people do not apply for cards because of lack of money. There are several issues that need to be considered in handling the card. Is there an annual fee? How long is the interest-free period? Under what theme can you get discounts on consumption? It is also clear that not every bank charges the same fees for various credit card fees, such as cash withdrawal and installment, so you must understand before you apply for a card.

In short, when you apply for a credit card, you should decide according to your own economic situation, you should not blindly follow others, and you should know all the problems about credit cards in order to avoid into the pit.