1. Personally, I think China Merchants Bank's credit card is easy to use, without guarantee and local account; The online banking system is convenient for repayment; Except for Bank of China, ICBC, China Construction Bank and Agricultural Bank, China Merchants Bank probably has the largest number of outlets among all commercial banks, and generally large and medium-sized cities have service outlets; 2. In addition to personal income level, the bank credit limit should also consider your personal credit and education, as well as the nature of work and actual needs; Basically, the basic principles for banks to approve credit cards and credit lines are: 1) consider your actual spending power 2) consider your repayment ability 3) Article 2 takes precedence over Article 1 3. Usually, the interest-free repayment date of banks is 50~56 days; Due to the imperfect credit system in China, the four major commercial banks generally have strict requirements for credit card applicants. However, if you apply for some credit cards from local banks first, and then apply for these four cards after accumulating some credit lines for a period of time, you will be more likely to be approved. You know, whether it's Vias, Master or China UnionPay card, if the application fails twice in a row, you think it will be very difficult to apply for the third time in 1 year. 5. However, if you apply for some local banks such as Guangfa and Minsheng, you should consider whether it is convenient to repay in the future. This is very important. If you can't find the bank counter for cross-bank repayment, it will delay the time and it will be very unfavorable for you to have a bad repayment record. 6. If the personal conditions are not very good, don't ask for too high a credit limit when applying for the first time. Generally, after three months, the bank will adjust the credit line according to your repayment and actual use in the first three months. The principle of applying for a credit line is: just enough. 7. Generally, undergraduates who have a fixed occupation and have worked in this unit for two years can easily get a quota of 3-5,000 yuan for the first time, and graduate students can get a gold card, that is, a quota of more than 1000 yuan.