There is no charge for selecting a credit card number.

1. How to choose a credit card?

1. Choose according to the purpose

The first principle of 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 selection of the card issuing bank

When applying for a credit card for the first time, it is recommended to choose card issuing banks such as Guangfa, Shanghai Pudong Development, CITIC, and Bank of Communications, because these banks have lower application thresholds and have many activities. It is very powerful and can basically make you have fun. In addition, try to choose a bank with a salary card to apply for a credit card, which will greatly increase the success rate of card application!

3. Choose according to the limit

In particular, when you apply for a credit card for the first time, remember not to If you blindly pursue a high limit, you should choose based on your own situation. Credit cards are for advanced consumption. If you accidentally use too much and it doesn't reach the limit, it will affect your credit report. Remember, remember!

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 installments also require installment interest and Handling fee. Be sure to understand it clearly before choosing a card, and it’s never too late to apply!

2. Conditions for credit card application:

Must be 18 years of age or older, Chinese nationals, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, have legal and stable sources of income, and have good credit. You can apply for a bank credit card from the card issuer with your valid identity document. The materials that need to be provided are as follows:

1. Identity certificate: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or a copy of the work permit/plate

3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank regular A copy of the deposit certificate) and other information that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

The above are the conditions for applying for a credit card from major banks. If you meet the above conditions, you can apply for a credit card. If the card is not approved, the bank will conduct a comprehensive scoring review based on the information filled in by the applicant. Generally, new customers who fill in all the information truthfully will have a high rate of card approval. However, the order in which you apply for each bank also has a great impact on later application for a card.