1. Credit card function selection Function is the primary factor that most consumers consider when choosing a credit card. Make full use of the value-added function of credit cards. Credit cards can not only help you spend money, but also save you money. Student parties have no source of income, so the money-saving function is a must-have! Many students like to shop in supermarkets, so they can apply for a co-branded card jointly issued by a bank, shopping malls and supermarkets. If you like to shop online, you must get an online shopping credit card. Not only can you enjoy discounts, but you can also earn points, which can be exchanged for Alipay points.

2. Credit card fee selection Credit card fees generally include three types: annual fee, interest, and handling fee. In terms of annual fees, you should not only pay attention to the amount of the annual fees, but also whether there are any provisions for exempting the annual fees. For example, the common first-year annual fee is waived, and the following year's annual fee is waived by swiping the card several times in the year. It is best for us to choose a credit card that can easily achieve the annual fee-free policy. In terms of interest, the daily interest rate of all major banks is 0.5%, and the interest-free period is generally 20-50 days or 26-56 days. The difference between various banks is very small, generally no more than one week. Handling fees generally include over-limit fees, late payment fees, cash withdrawal fees, bill retrieval fees, supplementary statement fees, overpayment recovery fees, loss reporting fees, damaged card replacement fees, etc., among which the most important ones are The most important thing is the cash withdrawal fee. You should compare it carefully and choose a credit card with lower cash withdrawal cost.

3. Choose a credit limit that best meets your basic needs, so you don’t need to apply for multiple credit cards. Try to use 1-2 credit cards to meet your consumption and capital turnover needs. It's also easier to manage. For example, if a student party does not have large expenses, generally a credit limit of 1,000-10,000 is enough. Introducing China Merchants Bank’s card, the minimum credit limit is 1,000, while many other cards have a minimum credit limit of 1,000. The above is all about how students can choose a credit card that suits them. Of course, not every card has the same fee, and the specific situation of each card is also very different. We need to remind young people that just apply for 1-2 credit cards that suit you. Don’t apply for cards on a whim. Otherwise, you will become a card slave and there will be no way out!