First of all, choose the brand of credit card according to the network setting, service quality and work efficiency of the card issuer.

The more POS, ATM and other equipment the issuing bank is equipped with, the more special merchants and the denser outlets, the more convenient and quick it will be for cardholders to handle payment, settlement, shopping consumption, cash withdrawal and especially repayment. Therefore, we should do some research before bidding, and try to choose a credit card brand with many outlets, complete equipment, high efficiency, good service and convenient use.

Secondly, choose the type of credit card according to the purpose and use of the card.

The basic functions of all credit cards are similar, but different cards are very different in additional functions and uses, especially the functional theme cards launched by various banks at present, such as shopping cards, car cards, women's cards, student cards, sports cards and even souvenir cards, will provide higher added value and meet the different needs of specific people;

In addition, co-branded cards are also a good choice. In addition to all the functions of ordinary credit cards, you can also enjoy discounts and special services from joint ventures. For example, the co-branded cards of shopping malls can give you more discounts, and the co-branded cards of airlines can be redeemed for free courses through points.

Third, choose credit card varieties according to your own strength and consumption habits.

For the average person, it is enough to apply for an ordinary card; People with rich income, affluent economy and good credit can apply for gold or platinum cards.

In a word, the choice of credit card should meet your purpose and economic ability, and the best choice is that the issuing bank can provide better service.