Step 1: Select a bank. When applying for a card, try to choose a bank with low rates, many local outlets, and convenient repayment. After applying for a card, the most common thing that cardholders have to deal with with the bank is repayment. If you choose a "niche" bank with few branches and inconvenient repayment, although it is very competitive, you will indeed encounter problems during use. A lot of trouble.

Step 2: Select card organization. Another big question that bothers you when applying for a card is whether you should choose UnionPay, VISA or MasterCard? Choosing the correct card organization according to the area of ??use and main purpose will greatly improve the experience of using the card.

Step 3: Select the level of the card. Nowadays, the credit cards of major banks are divided into regular cards, gold cards, platinum cards, etc. Citibank also has unlimited cards. It is very important to choose cards of different levels according to your needs. Assuming that your qualifications are good, you can try to apply for a gold card. Even if the gold card is not approved, it will be downgraded to a regular card. If you directly apply for a regular card, if you are rejected, you will be rejected.

Step 4: Choose the purpose of the card. Nowadays, car owners can choose car owner cards, while housewives can choose shopping cards. While enjoying the basic rights and interests of credit cards, they can also get benefits that are more suitable for them.