1. It is best not to apply through online channels. It is suggested to apply for a credit card directly at a bank outlet, and try to provide all your own materials, such as work certificate, income certificate, financial certificate, etc., which will help to increase the credit card limit.

2. When applying for a credit card, please fill in the relevant information truthfully, don't exaggerate, and the position and income should match, otherwise the applicant is likely to be suspected of fraud by the bank, which will affect the credit card approval result.

3. When applying for a credit card for the first time, the bank will make a return call with the landline, pay attention to answering the return call of the bank and truthfully answer the questions of the bank staff.

4. After the credit card is successfully processed, it can only be used after the card is opened. When using credit cards, everyone should pay attention to reasonable consumption, repay on time, and never overdraw, so as to avoid overdue due to inability to repay, thus leaving a bad record for their personal credit information.

It's best to proceed from reality and don't apply for a high-grade credit card at the beginning. And when choosing the type of card, we must consider the rights and interests of the card. After all, the more rights and interests, the more benefits users can enjoy. The length of the interest-free period of credit cards is also important. If the interest-free period is too short, it will cause greater repayment pressure.