How to choose the type of credit card?
1 to find out the card type. Credit cards can generally be divided into ordinary cards, gold cards, platinum cards and diamond cards, and different types of cards enjoy different rights and interests. Among them, Puka has the lowest threshold. As long as the user's credit qualification is good, the application can be submitted. The maximum amount is 50,000 yuan, and the general card approval amount is about 10000 yuan. The maximum amount of gold card is 80,000 yuan, and its rights and grades are higher than those of ordinary card. The annual fee of platinum card is between 500- 1000 yuan, and the application qualification requirements are relatively high, and the limit is generally around 500,000 yuan.
2. Check how to get points. Some credit cards use the cumulative points system, and some credit cards earn points by spending every time or reaching a certain consumption threshold. Credit card points will affect the benefits that cardholders can enjoy, so the more points, the more welfare activities users can enjoy. If users pay attention to integral welfare, they can choose the corresponding credit card type according to their consumption habits.
3. Pay attention to the annual fee and service fee. There are annual fees and service charges for handling credit cards, and the annual fees and service charges generated by different banks' credit cards and different credit card types and grades are also different. It is suggested that users can compare the costs of different card types in many aspects and choose the card type that is beneficial and suitable for them.
4. Pay attention to the cooperative merchants and consumption places of banks. Users can choose credit cards with rebates or discounts according to the types and places they often spend. For example, the VISA Platinum Credit Card of Shanghai Pudong Development Bank can enjoy the discount of 15% for supermarkets, restaurants and other consumption types to meet daily consumption needs. This kind of credit card is more suitable for users with average economic strength, and their consumption is biased towards daily necessities.
To sum up, to choose a credit card that suits you, you need to consider your own card demand, consumption frequency, rate, quota and authorization method, as well as the income of the credit card. Through comprehensive consideration of these aspects, choosing a credit card that suits you best will make more effective use of the credit card and give you additional benefits and benefits.