Newbies should pay attention to the following points when applying for a credit card:

1. It is best to choose a suitable card based on your own financial strength, especially for people with average income, do not apply blindly For platinum cards, diamond cards and other cards that require higher financial and income levels from applicants, it is recommended that you choose regular or gold level cards when applying for a card for the first time, as it will be easier to apply for it.

2. Pay attention to various credit card consumption traps. If the card is issued through an intermediary, it may be tied to consumption. For example, if you use a credit card to sell insurance, you can refuse it directly.

3. You need to understand the annual fee policy of credit cards. Many credit cards can waive the annual fee for the first year, and then as long as the specified number of times or amount is reached, the annual fee for the next year can be reduced. Different from banks and cards, the annual fee policy may be different, so be sure to clarify it, otherwise the annual fee will be a big expense.

4. The credit limit that many people apply for for the first time is generally not high. It is not recommended that customers directly cancel the first credit card in their name because the credit limit is not high, as this may affect subsequent credit card applications. In fact, as long as you use the card well in the future, the bank will always have the opportunity to increase the limit.