Many novices often have difficulties in choosing a bank when applying for a credit card for the first time. They want a low threshold for applying for a card but also want a high limit. It is said that you cannot have your cake and eat it too, and it is still difficult. The idea is that applying for a card for a white household is based on approval of the card, and then we will find a way to increase the limit. Here we will introduce to you some banks that are relatively easy to apply for a white account card. Which bank is the best credit card to choose for your first credit card in life? Generally speaking, we need to start from two aspects, one is application channels and the other is personal qualifications.

1. Application channels: Because the credit report for Baihu is blank, the bank will not easily approve the card. It is more difficult to apply for the card directly through the bank's official channels. However, many banks cooperate with some platforms to apply for cards, such as Alipay, Meituan, etc., and your data information on these platforms is also a reference factor for banks to approve cards. For example, when you apply for a card on Alipay, the bank will authorize Zhima credit points. If your Zhima score is above 620, and your spending power and contract fulfillment ability on Alipay are good, you will also be given extra points. In addition, when it comes to bank selection, you can enter your Alipay Life Account, enter "Apply for Credit Card", select banks with words such as "Second Approval", "Popular", etc., and apply for their popular introductory cards to see the success rate of card approval. above 90%.

2. In terms of personal qualifications, you should mainly choose the corresponding card-issuing bank based on your own qualifications. You can mainly start from these aspects: 1. If you have a fixed deposit in a bank or purchased financial products: then priority will be given Choosing credit cards from these banks, after all, has fixed deposits and financial management products, which can reflect your financial strength, score your overall score, help improve the approval rate, and the card approval limit will be relatively high. 2. Your salary is issued by this bank: that is, choose a credit card from the issuing bank of the salary card, because your monthly salary is a proof of income in the eyes of the bank. The higher the salary, the easier it is to get the card approved, and The limit will also be higher than that of non-salary card customers, and the credit card of the bank where the provident fund is applied for. If there is nothing, then you need to apply for a credit card from a commercial bank first. Avoid the four major state-owned banks. You can apply for China Merchants Bank, Bank of Communications, Minsheng Bank, CITIC Bank, Industrial Bank and other banks. The credit cards of these banks are relatively good. Good batch.