In recent days, it has been reported on the Internet that Shengjing Bank has released funds. The intermediaries in the circle of friends immediately responded and began to collect money to promote the route.

What kind of bank is Shengjing Bank? Which card is the loser? Is this water worth the trip?

Let’s talk about Shengjing Bank first: Shengjing Bank is the first headquarter bank in Shenyang and the largest city commercial bank in Northeast China.

Let’s talk about which card was leaked: Shengjing Bank U18 Credit Card.

The benefits of this card are as follows:

100% cash withdrawal of credit limit, does it sound familiar? Yes, CMB Young Card can also withdraw cash 100%. The young card is positioned as the first credit card for 30-year-olds. Shengjing u18 also means the same, but normally u18 should mean under18, such as the u18 men's basketball team.

The remaining benefits include 5 times points for birthdays, 10% off in installments, and one Starbucks dining coupon per month. It all shows that this is a newcomer card.

Waste your credit and get a new card from a local bank. Are your balls hurting?

Can we not call everything water release? If you apply for this kind of newcomer card at any time, the probability of getting the card is very high, okay? Why don't you look at the credit report and not the total credit? This is a characteristic of many local banks.

If you can apply, that would be a very happy thing.

Do not apply for this kind of local travel newcomer card at any time. Because it will take up your mailbox!

Occupy your bank account, so that some banks that care about the bank account will no longer have access to you, such as Agricultural Bank of China, China Construction Bank, and Citigroup.

It takes up your credit and makes it impossible to apply for the card that you are interested in. Even if you apply for the card, the limit may be limited by the bank.

Cherish the letter, cherish the number of lines, and cherish the total credit.

There is no need to strictly follow the order when applying for a card. But some banks that are concerned about the number of lines would be better off starting early.

There is no very precise order for applying for a card. Because bank policies will change, some banks that don’t care about the number of lines often have high-end cards that do.

So the best way is to first think about which bank and which card you want to apply for, and then just refer to the three levels in the picture to apply. There is no need to go through all the banks that matter about the number of banks and then go to the next level. That is wrong.

What is suitable for a city commercial bank?

If you have a lot of lines, such as about 10 lines. Then you can consider a city commercial bank, but the premise is that you must apply for a high-end card worth applying for. Because there are many commercial banks in the city, don’t apply for a bunch of junk cards that will affect your ability to apply for a major bank card.

Think first and then act, don’t act first and then think.