The most important thing is to find a credit card that suits your usual consumption habits.
Both banks have similar conditions for handling cards.
Interest Every bank has a daily interest rate of five ten thousandths, which is the same.
The minimum repayment amount is slightly better than the credit card of CITIC Bank. The minimum repayment amount of CITIC is 5%, and Everbright 10%.
The credit card limit is approved according to your comprehensive conditions, and it is impossible for all credit card businesses to know.
Generally speaking, the bank will decide the amount according to your credit card record.
If you are really entangled, you can go to official website of these two banks to find out what credit cards they have and what kind of cards they are interested in, and then make a decision after comprehensive comparison.
Or, apply for credit cards from two banks. With luck, you will have credit cards from two banks. When you are satisfied with the credit card limit and service of which bank, you can use which card again. There is no annual fee for CITIC's credit card, and there is no annual fee for Everbright's credit card. You must swipe it enough times to avoid it.
Everbright Credit Card: The amount is average, and there are few daily preferential activities, such as movie discounts and shopping activities. The comprehensive value is ok, but the advantage is not obvious;
CITIC Credit Card: The credit limit is relatively high, but you must pay attention to the use of the card, which is sensitive to personal credit changes, so it is easy to pass the barrier if you don't pay attention, but the activity is considerable;
Precautions for using credit cards:
1. Many people will handle multiple credit cards, which is more convenient. In fact, the more credit cards, the better. Too many credit cards can only induce you to swipe more cards. In the end, the hole is getting bigger and bigger. If you don't control it, you will unconsciously assume certain debts.
Generally speaking, it is enough for you to hold 1-2 credit cards. When you are short of money, you can swipe your credit card first, which won't cost too much and is more convenient to manage.
2. When using credit cards in shopping malls, supermarkets, etc. Be careful, enter the password to shield and prevent criminals from peeping. If you get a credit card, it will be dangerous. After all, credit cards are easy to overdraw. In addition, it will be safer to change the password of the credit card from time to time, and the intensity of the password should be high, so it is impossible to set numbers that are easy to associate, such as birthdays and telephone numbers.
3. When swiping a credit card, you should also pay attention to checking the credit card amount, mainly when signing, to see if the amount payable is consistent with the signature. This won't waste more money, but it would be better if there is a short message to deduct the fee, so that you can clearly confirm how much money you just brushed.
When you withdraw cash by credit card, you should pay attention to a certain withdrawal amount every day. If you exceed this amount, you can't withdraw any more. Moreover, if you withdraw money across banks, you should charge a certain handling fee. Try to look carefully before making a decision.
5. When using a credit card for online payment, the credit card must be bound. Bian Xiao emphasized here that you should carefully check the card number, including the four digits on the back, and then bind it after confirmation. When paying online, you should not only read the last four digits of the card number clearly, but also be optimistic about whether it is a debit card or a savings card.