1. Choose a credit card that suits you. If you are applying for a credit card for the first time, if you don’t know how to choose, you might as well look at where your main consumption expenditures are. If you are shopping in a supermarket, you can choose a supermarket co-branded card; If you are shopping online, you can choose JD co-branded cards, Taobao co-branded cards, etc.; if you are on a business trip, you can choose hotel co-branded cards or airline co-branded cards.
2. The credit card application form must be filled out. On the one hand, you need to pay attention to the accuracy and authenticity of the information in the form, such as name, mobile phone number, ID number, landline phone number, relative contact information, annual income, etc. ; On the other hand, you need to be flexible. If your workplace does not have a landline, you can fill in the landlines of your relatives and friends. It is best to fill in the pre-tax salary plus various bonuses, benefits, etc. for your income.
3. Answer the return call in a timely manner. Some banks will call back to the applicant to verify the authenticity of the application information and ensure the stability of the card applicant's work and life. If you are applying for a credit card for the first time and fail to receive a return call from the bank in time, the bank will most likely refuse to issue the card. If you receive a call, make sure you can complete the return interview calmly and accurately.
4. Basic Fees You need to understand that almost all credit cards have annual fees. Generally, regular cards and gold cards have preferential policies for exempting annual fees, such as how many times you swipe to avoid annual fees and how many points you have. Offsetting annual fees, etc., understanding it clearly when applying for a credit card for the first time will help cardholders save annual fees. Summary: What should you pay attention to when applying for a credit card for the first time? The four points summarized above may not be comprehensive and in place. Cardholders can slowly explore and summarize them in the future process of using the card.