The following banks can apply for credit cards:

1. National joint-stock banks:

China Everbright Bank, China CITIC Bank, Bank of Communications, Industrial Bank, Industrial and Commercial Bank of China, China Merchants Bank Bank, Agricultural Bank of China, China Construction Bank, Bank of China, Minsheng Bank, etc.

2. Regional joint-stock banks:

Bank of Beijing, Beijing Rural Commercial Bank, Bank of Tianjin, Bank of Shanghai, Bank of Nanjing, Bank of Ningbo, Hangzhou Commercial Bank, Shenzhen Rural Commercial Bank , Wenzhou Bank, Xiamen International Bank, etc.

3. Foreign joint-stock banks:

Citibank, HSBC, Standard Chartered Bank, Bank of East Asia, Hang Seng Bank, ABN Amro, Orix Bank, BNP Paribas, American Express Bank, etc.

Be careful when using credit cards for newbies

Using credit cards for consumption is a very common consumption pattern nowadays. If you are a user who has just applied for a credit card and is not particularly familiar with the use of credit cards, then before using a credit card You need to pay attention to the following points:

1. Activate before using: The credit card cannot be used temporarily when received. Users need to activate it before using it. Generally, users can use online banking, Use it after activation at the counter, phone, etc.

2. Do not over-consume: Users must exercise restraint when using credit cards and do not over-consume, because after all, every penny spent needs to be returned later. Therefore, if the user consumes excessively, he or she will exceed the limit. If you limit your financial scope, it may cause great repayment pressure, thereby bringing about the risk of overdue repayment.

3. Remember your repayment date clearly: The repayment date is a very important date for every user. Users must remember their repayment date clearly to avoid missing the payment when it is due. Repayments may be overdue, resulting in a bad credit score.

4. Protect your own information security: There is a lot of information on the card surface of a credit card, which will be used for verification in future transactions, such as the validity period of the credit card, card number, CVV code, etc. Therefore, users must protect their information to prevent it from being leaked and stolen by criminals.

What is the most appropriate way to use a credit card?

When using a credit card, users must first make consumption according to their own income. It is more appropriate that the monthly credit card consumption amount does not exceed 50% of the income. consumption. In addition, users can also pay more attention to the activities corresponding to their credit cards. Many credit cards will launch different activities for their users, such as shopping discounts, etc. Users should use their rights reasonably.

Most credit cards will have their own annual fee exemption policy, so users also need to understand the annual fee exemption policy of the credit card they use, so as to complete the corresponding annual fee exemption tasks and reduce their own annual fees. , save your own expenses. In addition, users also need to understand other charging policies and unique promotions corresponding to their credit cards, and use credit cards rationally.