First, be clear about your credit card needs. If you only swipe your card at home and pay online, you can apply for a single-currency credit card starting with 62.

Second, if there is a demand for Haitao and overseas travel, you can consider applying for a dual-currency credit card starting with 4 or 5, or a full-currency credit card.

Third, if you often fly or book hotels, you can consider applying for a joint credit card with airlines or a joint credit card with travel agencies, and you can redeem points for miles or enjoy booking discounts.