Is it easy to apply for a credit card?

A credit card is necessary.

The direct benefits of using a credit card:

1. Easy to use: Credit cards are very convenient to use. You can use the card to make purchases and bind WeChat and Alipay for quick payment, avoiding the need to pay cash for consumption. No worries, don’t worry about the dangers of carrying too much cash with you.

2. Exclusive offers: Cardholders who hold a credit card will generally receive additional services, such as free insurance, exclusive airport access, etc. You can also participate in various preferential activities, such as half-price ordering from joint restaurants, free movies, free car washes, etc.

3. Points redemption: Credit cards can be swiped at cooperative merchants to accumulate consumption points. When the points meet the gift conditions, they are directly redeemed for goods. Some banks can even use points to recharge phone cards.

What are the benefits of applying for a credit card?

The benefits of a credit card: it can relieve financial pressure; online consumption is convenient and fast; it can accumulate personal credit history. Using a credit card and paying back your loan on time can increase your credit limit.

This saves money. Many banks cooperate with merchants for their credit cards. For example, there will be cash back discounts for swiping your card, and there will be discounts for eating, watching movies, supermarket shopping, filling gas, car washes, etc. In addition, credit card points can be redeemed for some gifts in daily life, and even some lottery activities, and the points can be used as money.

Relieve financial stress. Sometimes money is needed urgently and there will be a certain amount of financial pressure to pay a large amount of money at once. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The remaining money on hand can also be used for daily expenses and turnover.

Online consumption is convenient and fast. Many online malls or Taobao stores have opened credit card payment methods, catering to consumers' preference for using credit cards for consumption. Although there are no points for credit card online purchases, its convenient and fast payment method is liked by many people.

Accumulate personal credit history. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and make your payments on time, you can increase your credit limit and credit rating. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to get approval for a loan to buy a house or a car in the future.

Is it okay to apply for a credit card?

The advantages and disadvantages of applying for a credit card are as follows:

1. Advantages of a credit card:

1. You can overdraft consumption without deposit, and you can enjoy 20- 56 days interest-free period. 2. When you swipe your card when shopping, you will receive points as gifts. 3. You can enjoy discounts when using the card at the bank's designated merchants. 4. Accumulate personal credit and add integrity records to your credit files. 5. You can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo. 6. Some credit cards can collect existing points. 7. Free monthly mailing of statements. 8. The supplementary card function allows you to manage finances at the same time and control your children's financial expenditures. 9. One card with dual currencies, overseas consumption can be repaid in domestic RMB. 10. 24-hour service hotline, loss report takes effect immediately. 11. Cooperate with third-party platforms to provide cardholders with preferential services.

2. Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption. 2. Credit card annual interest rates are higher. 3. Credit card debt can cause mental stress. 4. If your credit is not good, the cost of borrowing money will be higher, and you may even be unable to borrow money.

Currently, all major banks support credit card processing, such as Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, etc. You can apply for credit cards at each bank's mobile banking APP, online banking and business hall branch counters.

Many people often apply for emergency loans when they are unable to open a loan in their lives. Baidu has money to spend: Du Xiaoman's small credit loan has a maximum limit of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2. The specific interest rate is shown on the loan page. You can borrow and repay flexibly at any time, apply for the whole process online, and there is no guarantee or mortgage. Submit the application and get the result within a few minutes. Once approved, you can get the money on the same day.