1, first of all, as long as you don't open the card, you are exempt from the annual fee. When you care about the annual fee of the card, the salesman will definitely tell you that as long as the card is not activated, the annual fee will never be charged, but this is not the case. It depends on what kind of card you handle, some special cards and high-end platinum cards, whether activated or not, will charge an annual fee, so don't just listen to the salesman's one-sided words. It is best to know the relevant information in advance when handling credit cards.

Secondly, it takes a long time to get a card. As for the card release time, in order to complete the task, some salesmen will tell the card friends to release the card within one week at the earliest, and then ask you to fill in the information quickly. For cardholders who want to apply for a credit card, the ultimate concern is whether they can get rid of the card smoothly, and after submitting the information, the time for getting rid of the card is not determined by these salesmen. The bank will make a comprehensive score according to the applicant's information before issuing the card.

3. Third, ensure that the credit card limit is tens of thousands, and let the salesman handle the card. They will say that the credit card limit is tens of thousands, which is not the case. The credit card limit is audited by the bank and has nothing to do with the salesman. If the applicant provides sufficient proof of property, it will help to increase the number of places.

Fourth, you can give gifts when you apply for a credit card. Some cardholders applied for a credit card when they applied for the card opening ceremony. In fact, there are many conditions for this card opening ceremony, such as the number of times, the amount, and the time to swipe the card. Gifts are not so easy to get. There are also some banks that restrict new customers, that is, applying for the bank's credit card for the first time.

5. Fifth, choose a signature for the consumption pattern. When you apply for a card, all kinds of materials need the signature of the card friend. Many card friends left their names without thinking or reading. In addition to the required items, there are also some options for card materials, such as card type and supplementary card information. Once blank, it may be filled in randomly by individual salesmen.

6, credit card repayment method-automatic repayment, the salesman will tell you that choosing automatic repayment is not only convenient, but also will not cause overdue. If the cardholder chooses debit card automatic repayment when applying for a credit card, it is very likely that a bank debit card will be automatically issued to you. This is a bundle sale, and both credit card and debit card will be handled for you at the same time.