In order to meet the needs of customers, credit cards meet the needs of customers, which also leads some friends to consider how to choose.
What kind of credit card is the best?
1, China Merchants Bank Youth Card
A credit card suitable for young people under the age of 30, as long as they meet the age conditions, can be successfully applied even if they have just entered the society, have unstable jobs and low wages. As long as the applicant submits a copy of a bachelor's degree or above, the user can get a credit card quickly.
2. CITIC Bank Taobao Card
As a Taobao card, if you can bind the applicant's Taobao account, it can greatly improve the efficiency of CITIC Bank in reviewing the applicant's credit information. The data related to your Taobao account can also better prove your spending power. If you want to get a higher credit limit, you need to submit additional financial proof, such as bank deposit slip, real estate license, vehicle driving license, etc. In addition, the time limit for approval of online application of CITIC Bank is quite strong, and it is generally accepted within 24 hours.
3. CITIC Bank Magic Card
For credit card products issued by married women, the card not only provides female health insurance and parent-child sharing insurance, but also allows cardholders to enjoy triple points on their own and their children's birthdays. In addition, in the credit card industry, women are the most important group, and the number of female credit cards is often the most important performance indicator of banks. Therefore, it is easy for married women with good credit to apply for CITIC Magic Card.
4. Guangfa True Love Card
As a special card for women, female cardholders can handle Guangfa True Love Card almost unimpeded. As long as the cardholder can provide stable income proof and personal information, this card will not shut you out.
5. Industrial Bank Mango Card
For a credit card product of a travel bank, if the financial institution indicates the intention of traveling abroad to the customer service staff during the whole process of personal credit call return visit, then it is relieved to apply for the Qingmang card.
What are the requirements for handling credit cards?
1, the age must reach 18 years old and above, and the party concerned has full capacity for civil conduct;
2. The cardholder has a legal and stable wage income and no bad credit record;
3. Cardholders should provide valid personal identification documents;
4. Provide personal work certificate, income certificate and financial status certificate to the bank;
5. Provide personal residence certificate, copy of household registration book or proof materials of sub-district office, etc.
What are the characteristics of credit cards?
1, which can be overdrawn. In other words, consumption does not need to deposit money in a credit card, which is the most basic feature of a credit card. If you can't overdraw, it is definitely not a real credit card;
It has an interest-free repayment period. After using credit card, there is a certain interest-free repayment period. As long as the corresponding consumption amount is repaid to the bank during this period, the bank will not charge interest. Generally, the interest-free repayment period is about 50 days, and those without interest-free repayment period must not be real credit cards.
3. There is revolving credit. Revolving credit is a small unsecured loan with daily interest. According to your own financial situation, you can decide the repayment amount (one-time repayment or installment repayment) before the monthly repayment due. If installment repayment is selected, when the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance.
Tips: I hope everyone can use credit cards reasonably and not blindly.