1. Maintain good credit. Some newcomers have never had a credit card, but if they have a loan, they have to repay it well and maintain their personal credit. Also, don't have some illegal behaviors in daily life, such as unpaid water and electricity living expenses, and failing to pay back money, which may affect credit.

2. Have a stable job. Newcomers' stable credit card work means stable income, which is also one of the important sources for many people to repay their credit cards. Therefore, don't change jobs frequently before applying for credit cards. Now, the second-generation credit information can find out the employer and working hours of the applicant.

3. Select the appropriate level. There are different levels of credit cards, and the requirements for applicants are different. It is recommended to choose a card according to your qualifications. For example, if the income is not high and the salary is only 3, yuan per month, the bank will definitely refuse the card directly if it applies for a high-end card as soon as it comes, and there is no other asset to assist.

4. The debt should not be too high. The applicant's debt ratio will affect the pass rate of card approval to some extent. Although the applicant may have a relatively high income, too high debt will distract the repayment ability, and there is also a high risk of borrowing in the eyes of banks. It is recommended to check the credit information when you apply for a card, and pay off part of the debt through repayment, so as not to let the debt ratio exceed 5%.