Salespersons from all major banks in Shanghai come to apply for the card at your doorstep without any fees. After the salesperson applies for the card, you do not need to go to the branch for an interview. If you apply online, you will need to go to the branch for an interview. The bank Make sure you apply in person.
To apply for a credit card, you must first have a job. It is best to work for more than one year. If you have social security provident funds, it is easiest to apply for a card. It will mean that you have a stable job and the ability to repay. Generally, the card limit is It will also be higher.
If you have never applied for a credit card, can you recommend a few banks where you can open a new account
1. China Merchants Bank
2. China CITIC Bank
< p>3. Ping An Bank4. China Everbright Bank
5. China Guangfa Bank
Generally speaking, commercial banks are the easiest to get a card. The four major banks If you have a lot of bank turnover, you can try it. It is generally not recommended to apply for the four major banks. The limit increase will be slower in the later period, and the limit increase will be faster at commercial banks.
For ordinary consumers, two or three credit cards are enough. Each bank’s credit card promotions are different, and the credit card is Yang’s personal credit report.
When building a credit file, don’t think that a white account is the best proof of credit. This is wrong. Just imagine a person who has borrowed money from you many times and paid it back on time every time, and If a person who has never borrowed money from you borrows money from you at the same time, who would you like to lend to? The same is true for credit cards. Credit card consumption will generate a credit record. As long as it is not overdue, you can slowly accumulate personal credit. When taking out a business loan or a home loan later, a good credit record will be very useful.
Finally, if you want to apply for a card, you can follow 186 of 1652’s 4574 answers and apply.
I have eight cards under my name. The above is my personal opinion on how to use the card. If you don’t like it, don’t comment.