In order to prevent more card players from getting confused, confused, and going astray on the road to playing cards, I specially wrote this guide for beginners. If you are new to credit cards (debit cards), be sure to read this article to the end! If you only have 3-5 credit cards (debit cards), please read them.

A lot of what I say is relatively absolute. In fact, there are exceptions, but the exceptions probably have nothing to do with you and are very complicated, so just keep these rules in mind.

1. The unit of measurement for credit cards (credit cards) is "home" not "piece". It is enough to apply for one card from the same bank, up to two! The quota does not stack or double! No need to do a lot!

2. The order of card application is very important. You must carefully choose the credit cards (debit cards) from your first three banks. If you don’t know how to choose, just apply for a China Merchants Bank card first, and use it for a year before making other decisions.

3. Credit cards (credit cards) must be paid back after they are used up! And pay it back in time! Sometimes you have to pay each card separately! Remember the billing date and repayment date! The billing date can be modified! You can call customer service to solve it!

4. Platinum card ≠ high-end card! Some platinum cards are like bus cards and anyone can apply for them. Generally speaking, the more expensive the annual fee/the more complex the annual fee rules, the more likely it is a high-end card.

5. Everyone has different original intentions for playing cards, some are for wool, some are for equity, and some are for quota. But in the end 90% of people will pursue the quota. So it’s best to pay attention to the quota from the beginning.

6. When they say let go, they mean "let some people with bad minds go test the water." Don't go, respect yourself, okay?

7. It doesn’t cost anything to apply for a credit card (debit card), it doesn’t cost anything to apply for a savings card, and it doesn’t cost anything to raise your limit! The bank calls to invite you to apply for a card because they are short of money! (High-quality customer? Don’t you know whether it is a high-quality card or not?)

8. If you are hesitant between the two cards, it is recommended that you choose the one with an annual fee. Don’t be afraid to spend the annual fee if it’s within your capabilities. Many people want to pay the annual fee but are unable to do so. (Except CITIC, the CITIC annual fee card can be applied for by individuals).

9. Credit cards (debit cards) cannot help you achieve financial freedom. Make money first and then apply for a card. People without money will have more money burned through credit cards (credit cards).

10. 90% of credit card (debit card) problems can be solved with money, and the remaining 10% can be solved with more money, but the money must be used wisely.

11. Adults must be responsible for themselves. Think twice before applying for a card and don’t be impulsive. Once you've done it, don't think about selling it, and once you sell it, don't plan to look back. Banks are very vindictive.

12. Play less with your mobile phone and go to the bank for a walk when you have time. The bank is the easiest and most relaxing place to relax, and you can also make friends and drink coffee. Over time, you will find that the president is very approachable and the clerks are very warm and kind. You will be full of a sense of direction and strength, and your life will begin to change.

13. When you choose a card based on the benefits, you should pay attention to whether the benefits are bank benefits or card organization benefits! When you are rushing to choose cards, ask yourself what exactly you are doing and how much time you have to waste.

14. Learn to read card introductions, event details, rights details and bank announcements. If you're too lazy to read, just top up your phone bill and call the bank's customer service number! Don't be lazy.

15. Don’t envy others how much money they have harvested. Where were you when they stayed up late? Did they tell you when they rolled over? Did you know when they blocked the card and reduced the rating?

16. Cards are for use, not for maintenance. Don’t study any strategies to increase your credit limit. Being fully prepared before applying for a card is better than anything else! Proof of financial resources is ready. Income and savings are the most important materials for entry!

17. Bank invites installment plan? What are the conditions? Do you have a mine at home? Unless the bank promises to increase the amount, it will definitely not make installments. It’s better to have a good meal if you have that kind of money.

18. Credit cards (debit cards) are the lowest level of financial products, and not many people use them. Don’t be superstitious about any big V, maybe they are not as good as you. Stay away from finance and business classes. Business schools still have people who call themselves teachers. Learn to think and believe in yourself!