For applicants with the above four tastes, the selection methods and characteristics are as follows:
1, bank flavor: people who choose bank flavor generally have the characteristics of being particularly picky about banks, no matter what cards belong to this bank (if someone values the credit cards of ICBC, the head of the five major state-owned banks); Or the bank is close to home, which is convenient for repayment or other businesses (such as people who can't repay their mobile phones or people who like to run banks when they are old).
2. Card flavor: For ordinary people who don't have a house or a car, people who apply for a credit card can only choose ordinary cards or gold cards for the first time, but if they have certain financial resources, they can choose "ordinary cards, gold cards and platinum cards", which is generally not within our unlimited card selection (bank invitation). Generally speaking, people who choose cards with different tastes have certain characteristics: people who have just graduated from school or have low income generally choose ordinary cards, people with low income but a little vanity may choose gold cards (of course, people who choose gold cards may not have low income), and people with certain economic strength but poor conditions may also choose gold cards; There is a kind of people who will choose platinum cards, which may generally be people with excellent credit records (credit cards from other banks with extremely high quotas) or people with strong repayment ability (people with large deposits or high-end cars with real estate licenses). Platinum cards are suitable for people with high credit requirements (generally more than 50,000) and high consumer demand.
3. Service taste: people who choose this kind of card taste are mainly those who pursue life (service) taste. For example, cash withdrawal is free: for example, "the first cash withdrawal is free every month, the first three cash withdrawals are free of charge, and the overpayment is free of charge". Some people who choose this service mainly use credit cards to withdraw cash; High-end taste category: For people with high-end taste, high-end cards of banks (such as platinum cards and above) are usually the mainstay, because platinum credit cards can enjoy many high-end services. Such as free high-speed rail VIP room, unlimited use of global airport VIP room, unlimited gift of Longteng card, and 5 million accident insurance quality service; Other services, such as using credit cards abroad, can be exempted from currency exchange fees. High-end taste cards are suitable for some people who pursue "being tall". Such people will choose a high-end platinum card (one that does not need to pay an annual fee), such as celebrities, celebrities or leaders of state organs or other people in need.
4. Card face flavor: People who choose card face flavor are mainly groups with certain unique hobbies, hoping to see their favorite elements on the card face. Such as Weibo Daren Card (you can see your Weibo address on the card surface), QQ Card (you can print your QQ on it), Cooperation Card or Co-branded Card (if someone is a member of China Eastern Airlines, they want to print their membership number on the card surface), Fantasy Westward Journey Card, League of Legends Card, World of Warcraft Co-branded Credit Card (you can see your favorite games on the card surface and exchange points for game props) and DIY Card (you can design your own card surface).
Credit cards are now used in many places, such as online shopping, shopping mall credit cards, hotel bills and supermarket payments. If you don't have a credit card, you won't enjoy this convenience. Of course, for the use of credit cards, no matter what the taste, credit cards are used as a tool to consume first and then repay. With the development of society, more and more people like to use the Platinum Card. Because, in the platinum cards of most banks, there is an attractive service-branch VIP, which is the exclusive service that platinum credit cards can enjoy without queuing for business (brushing VIP number at outlets). Time is money. With this service, if you go to the bank to do business one day, you can not only save face, but also save time. Of course, for ordinary business, we don't necessarily go to the bank, so this service is not available to "mobile phone owners". For a person who often travels inside and outside, I believe that the quality service of the airport VIP room will be of interest. First of all, getting the boarding pass, helping to check the luggage and giving priority to boarding the plane are all handled and helped directly by the staff in the VIP room. In addition, after entering the VIP lounge, you can enjoy tea, drinks, snacks and fruits for free, and provide services such as TV, books, magazines and newspapers. Need to be reminded that platinum card is a kind of "large credit card", so be careful when using tens of millions of dollars!
You must not choose a card because of the high gold content, because the service fee is high and the annual fee is high (for example, some people will receive an invitation letter from the bank for high-end cards, such as the annual fee of Guangfa Unlimited Card/World Card is as high as 12000 yuan/year). It's best to identify cards with a correct eye and choose the "right" card according to your own specific situation.
Finally, I would like to remind you that after selecting the card, remember to repay it on time. "Integrity is the basis of making money." Being a man of his word is a good citizen of the country.