We are soliciting opinions on the new credit card regulations. What suggestions would you give them?

Using credit cards for consumption is a very common thing in our lives, especially for many young people, whose daily lives are inseparable from credit cards. In order to further implement the supervision of credit cards, the Bank of China The China Insurance Regulatory Commission has begun to solicit opinions from the public, and the editor has the following opinions on credit cards.

1. Increase the review of credit cards

Now the application process for credit cards is very simple. As long as the applicant provides personal information such as ID card, the application can be applied through the bank counter, and through The rate is very high. Just because the credit card approval rate is so high, many young people are increasingly relying on credit cards for consumption. This has also developed a abnormal consumption concept among many young people. Therefore, the editor recommends that banks should increase The review of major credit cards should focus on examining the income of credit card applicants, and reject requests from applicants with low or no income.

2. Improve the cash withdrawal function of credit cards

We know that many credit cards do not support cash withdrawals, but many credit card holders often make false purchases through some illegal POS machines. Consumers use this to cash out the consumption limit in their credit cards. Such behavior is illegal and seriously disrupts the normal market economic order. Many criminals also earn a large amount of commissions by providing credit card cash-out services. However, if banks can improve The cash withdrawal function of credit cards allows credit card holders to withdraw cash through bank self-service teller machines, so illegal cash withdrawals will gradually disappear.

3. Stop chaos in credit card processing

In order to promote their bank’s credit cards, many bank service staff often hold activities in some public places. They will take Give gifts or shopping cards to guide consumers to apply for credit cards from their banks. Many users choose to apply for credit cards for so-called gifts. These credit cards will basically not be opened or the usage rate is very low. Relevant departments must Stop this chaos and let credit cards do their job.

The above are some of the editor’s personal opinions. I don’t know what your opinions are on credit cards. You are welcome to discuss them together.

I want to apply for a credit card. Which credit card is good?

Although the basic conditions for applying for credit cards in major banks are similar, in fact the credit card application thresholds of each bank are slightly different. For example, the four major state-owned banks usually have stricter review. If it is the first time to apply for a credit card, an individual If the qualifications are not particularly good, it is recommended to avoid the four major banks and choose a small commercial bank to handle it.

1. Bank of Communications credit card. For white accounts, it is recommended to apply for a Bank of Communications credit card as your first credit card. Bank of Communications credit card applications are usually approved and rejected within seconds, and the card limit is usually 5,000 to 15,000. For example, Bank of Communications' Y-POWER card is a credit card issued for young people and is more suitable for people with average qualifications. According to users who have applied for this card, the card issuance target is mainly for young people (under 30 years old) and is suitable for If young people with average qualifications apply, the Bank of Communications Y-POWER card has a higher approval rate.

2. China Merchants Bank Credit Card. China Merchants Bank is the bank with the fastest credit card limit increase. The China Merchants Bank Young Card is also an easier credit card to apply for. It is an exclusive card for young people. Those who have just started working can apply as long as they are over 18 years old and have a formal internship contract.

3. Shanghai Pudong Development Bank Credit Card. Shanghai Pudong Development Bank has a Youth Card, which, like the Y-POWER card of Bank of Communications and the Young Card of Commercial Bank of China, is a credit card for young people and is relatively easy to apply for.

4. CITIC Bank Credit Card. CITIC Bank's credit card application threshold is not high. For example, CITIC Taobao co-branded card is a credit card chosen by many users who like Taobao shopping. If you like online shopping, you can try to apply.

5. Everbright Bank Credit Card. China Everbright Bank's standard credit card is a credit card with a low threshold and is relatively easy to apply for.

Tips for novices to apply for credit cards

1. Choose a bank with more outlets. It will be more convenient to handle business with more outlets; for example, China Merchants Bank and Bank of Communications have more outlets and can handle The threshold for credit cards is low and is more suitable for users who are applying for a credit card for the first time.

2. Choose the type of credit card that suits you. There are many types of bank credit cards, and the one that suits you is the best. Applicants should choose the card type according to their own needs. If you like online shopping, you can choose a CITIC Taobao co-branded card; if you like traveling, you can choose an airline co-branded credit card;

3. Choose the card level that suits you. Credit cards generally have three levels: regular card, gold card, and platinum card. The higher the card level, the higher the requirements for applicants. If your conditions are average, then It is recommended to apply for a regular card.

Which credit card is recommended for newbies

When applying for a credit card for the first time, it is best to choose credit cards from commercial banks with low thresholds. For example, Bank of Communications, China Merchants Bank, Industrial Bank, and Minsheng Bank. As long as you meet the age to apply for a card, have a stable job and source of income, and have good credit, it is easy to get a credit card from these banks.

1. When applying for a credit card, you still have to start based on your own needs. After all, what suits you is the best. Therefore, you need to know what you are applying for the credit card for, whether it is for eating, drinking and having fun. , or for shopping, or for better travel or something. 2. In addition to the superficial financial benefits, credit cards also often hold preferential credit card activities. Some brand credit cards can provide cardholders with benefits all year round. These real discounts and reductions are the most beneficial to cardholders. thing.

1. China Merchants Bank: Young Card

Speaking of a must-have credit card for novices, many card friends will think of China Merchants Bank’s young card. The card’s various benefits are very good, plus The application threshold is low, so it is quite good to choose this credit card as your first credit card. The benefits of this card are as follows: - No handling fee for the first cash withdrawal every month

- Double points in the birthday month, with a maximum limit of 2,000 points per household

- Cash withdrawal limit of 1,000

-Card opening gift: New accounts receive a Samsonite backpack or a Pentium electric shaver when the card is fully spent

Comments: China Merchants Bank YOUNG card is only available to customers aged 30 and below, and the application threshold is low. Credit card With fast approval, convenient repayment, continuously increasing credit limits, and cash withdrawals up to a credit limit of 100, this credit card is really good in terms of the card itself. In addition, China Merchants Bank's credit card promotions are very impressive. The ongoing 10-yuan storm has sent everyone a large number of gifts. In addition, there are various activities worth participating in in Palm Life, such as the points rush at three o'clock every afternoon and There are 50% off meal tickets every Wednesday. If you grab the meal ticket, you can have a delicious meal.

2. CITIC Taobao Co-branded Credit Card

If the main shopping battlefield is Taobao, then the CITIC Taobao Co-branded Credit Card is the first choice. As a gold card, the application threshold is still quite low. , the specific benefits are as follows:

-No annual fee for gold card consumption

-Multiple points for online transactions

-Flight delay insurance of RMB 1,000 for 4 hours

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Comments: The biggest feature of this card is that you can get points for online shopping. For Alipay quick payment, you can get up to 5 times the points on normal days. On special days (member birthdays, Double 11, etc.), you can get up to 10 times the points. The higher the Taobao membership level, the more advantageous it is. Even if you don’t have a level on Taobao, you can still use Alipay to quickly pay 2x points with this card. Swipe your card at the POS machine to earn single points for gold cards below 2,000, double points for above 2,000, and there is a flight delay insurance of 1,000 yuan. The threshold is not high, and points are generally exchanged for miles or gifts.

3. Pudong Development Youth Credit Card

Pudong Development Bank’s credit card is also easier to apply for among all commercial banks. This Youth Credit Card is mainly targeted at young people, so the application threshold is not very high. , in addition, the benefits of this card are also remarkable. The specific benefits are as follows:

-You can open red envelopes for each purchase, receive bonus points, and grab red envelopes shared by friends

-Can add 5 times points benefits. Choose 2 out of 6 categories on Alipay/WeChat/Catering/Department/Hotel/Entertainment, 3 yuan per month for each category

-No handling fee for the first cash withdrawal every month

-Birthdays, Christmas Double points for swiping the card on Valentine's Day, Valentine's Day, and Singles' Day

-Free annual fee for life, free anti-theft swiping service

Comments: Pufa Youth Credit Card's unique one-card two-amount, 10% off The rates, limits starting from 10,000 yuan, and double points are more in line with the consumption needs of modern young people (low rates, high limits, multiple discounts). The age range is between 20 and under 30, freshly graduated college students or young people who still have dreams after working for several years. Applications can be submitted at bank branches, WeChat, and official websites with copies of work certificates, ID cards, or other supporting documents.

How to choose a credit card

The choice of credit card can be based on its purpose, card issuer, limit, etc.

The following are relevant tips for choosing a credit card:

1) Choose based on use: The first principle for choosing a credit card is: your own preferences and common uses. For example: If you like to travel, you can choose airline cards launched by various banks for aviation, accumulate mileage, and redeem gifts, allowing you to enjoy the sweetness while traveling around the world.

2) Based on the choice of card issuing bank: When applying for a credit card for the first time, it is recommended to choose card issuing banks such as Guangdong Development Bank, Shanghai Pudong Development Bank, CITIC, and Bank of Communications, because these banks have lower application thresholds, and have many activities and are full of strength. You have fun. In addition, try to choose a bank with payroll cards to apply for a credit card, which will greatly increase the success rate of card application.

3) Choose based on the limit: Especially when applying for a credit card for the first time, remember not to blindly pursue a high limit, but choose according to your own situation. Credit cards are for advanced consumption, and accidentally using too much will not affect the tax. It would be troublesome to believe that.

4) Choose based on points: From the perspective of the credit card points system, it is more practical and valuable than cash. Because most banks accumulate points for consumption, usually 1 point accumulates for 1 yuan, and a certain amount of points can be exchanged for corresponding gifts. Therefore, it would be very happy if you can double the points accumulated every Wednesday.

5) Based on invisible consumption choices: In addition to the annual fee, credit cards also have basic fees such as interest, cash withdrawal fees, over-limit fees, late payment fees, loss reporting fees, etc., and installment interest and handling fees are also required. Be sure to understand it clearly before choosing a card, and it is not too late to apply.

1. Different credit cards also have different emphasis on purpose design, so cardholders should choose the type of credit card they need based on their own circumstances. In terms of functions, the types of credit cards generally include shopping cards, travel cards, airline cards, game cards, women's cards, etc. For example, if you often go to supermarkets or shopping malls to make purchases, you can choose its co-branded card, so that you can enjoy discounts, multiple points, etc. If you often travel for business and fly, you can choose co-branded cards of some airlines. You can accumulate miles on purchases with such cards. If you accumulate a certain number of miles, you can apply for discounts such as free air tickets.

What credit card is the best to apply for in 2021? Please give me some suggestions

1. ICBC Ray of Light Women’s Card

ICBC’s female-only credit cards from various banks are available in standard version and Plus version. Only the Plus version can provide cash rebates. There are no restrictions on consumption methods at home and abroad, and you can get 1 back for every purchase, but there is a cash back limit. The maximum monthly limit for gold cards is 60 yuan / 500 yuan per year, and the maximum monthly limit for platinum credit cards is 500 yuan / 5,000 yuan per year.

The cashback benefits are good but there is a rigid annual fee. You do not enjoy the annual fee discount. The annual fee will be deducted directly from the limit when you open the card. It is 200 yuan/year for gold cards and 200 yuan/year for platinum credit cards from various banks. Enter the latest bill.

2. Guangfa Sharp Credit Card from various banks

The most worthwhile cashback credit card from various banks has two major cashback rights, one is for department stores, supermarkets, and restaurants. The maximum rebate for purchases at large merchants is 1; one is for a category of merchants of your choice on Fridays, the maximum rebate is 5, with a monthly cash rebate limit of 100 yuan.

The annual fee is waived in the first year, and the annual fee is waived for 6 transactions in the year. The only drawback is that it can only be applied for new accounts, and it can only be applied at branches or through marketing personnel. There are already credit cards from various Guangfa banks. , you need to cancel the credit card from each bank for 12 months, and then apply for a card as a new account.

3. Hua Xia Bank Cloud Quick Pass-themed credit cards from various banks

Hua Xia Bank has launched a new generation of cash back cards that require spending on the Cloud Quick Pass APP to get cash back , the first transaction of a new account will get a cashback of RMB 6.2, and then every month you use Cloud Quick Pass to pay, you will get a cashback of RMB 1. The cash back amount is calculated on a monthly basis, up to a maximum of RMB 62 per month.

However, unlike other cashback credit cards from various banks, this credit card from various banks provides rebates and can only be deducted when repaying on the UnionPay APP.

Expand knowledge:

There are three main ways to apply for a credit card: application at the counter, online application, and salesperson application. 1. Apply at the counter. If you can provide strong materials such as cars, real estate, bank card statements, etc., the credit limit will also be high. Therefore, it is not recommended for novices and people with insufficient qualifications. 2. Online application is the most commonly used method. You can apply anytime and anywhere, the materials are simple, and the approval is fast. Finding a recommendation from someone with good credit and a high credit card limit can also increase your chances of approval. Therefore, this method of applying for a credit card is recommended first. 3. Handled by salesperson. The advantage of using a salesperson is that because it involves his own commission, he will try his best to help you get the card. Including but not limited to teaching you how to fill in information, helping you with bank statements, etc. Credit card application tips 1. Marital status: Married is better than unmarried. 2. Housing situation: Owning a house is better than living with parents than renting a house. 3. How long you have lived at your current address: the longer, the better. 4. Residential telephone: Landline telephone is better than mobile phone. 5. Educational qualifications: the higher, the better. 6. Position and income: the higher, the better. 7. Unit type: public institutions, state-owned enterprises, and Fortune 500 companies are the best. Secondly, the higher the company’s reputation, the better. 8. Working experience in current unit: at least one year, the longer the better. 9. Credit card mailing address: It is best to choose an organization. What needs to be noted is: marital status and educational background can be easily checked by the bank and must not be falsified. Others, such as position, income, etc., can be appropriately exaggerated but not too outrageous. In addition, the work phone number must be a fixed number and must be answered by someone. The person who answers can confirm that you are in this unit.

That’s it for the introduction of credit card advice.