First of all, as a novice to run a credit card, it is generally credit reporting, that is to say, there has been no credit behavior with the bank in the past, and the personal credit reporting system is blank, which can be said to be beneficial to some extent. There is no bad credit record, and the bank will evaluate your personal credit through other supporting materials provided by you.

On the other hand, for beginners to apply for credit cards, in order to attract customers, complete the task of applying for credit cards and improve their performance, many banks can easily apply for credit cards as long as the applicants have a stable job and have the ability to repay. As a novice, the future is likely to be a potential high-quality customer, and banks will not easily let such customers lose.

Another advantage of novice credit card is that because it is the first time to apply for a credit card, the personal debt in the bank is zero, and the bank is more willing to accept fresh customers. However, because many cardholders have applied for too many credit cards, their credit in the bank has reached its peak, so it is more difficult to apply for credit card quota. As a novice to apply for a credit card, there is no problem that the debt ratio is too high and the card is rejected by the bank.