Currently, both state-owned banks and commercial banks issue credit cards, and credit cards with different benefits are issued for different customer groups. So, for some novice users who have never applied for a credit card, which one should they choose as their first credit card? Which bank is better? Let’s find out together.

The editor recommends that novices who want to apply for a credit card for the first time start with the following banks:

1. Agricultural Bank of China, Industrial and Commercial Bank of China, and China Merchants Bank

2. China Construction Bank, Shanghai Pudong Development Bank, China Guangfa Bank

3. Ping An Bank, China CITIC Bank, Bank of Communications, China Everbright Bank, etc.

The reasons are as follows:

1) Agricultural Bank of China and Industrial and Commercial Bank of China credit cards have high gold content, low installment fees, and slow credit limit increases. Therefore, novices who have just graduated or just started working can get one and gradually increase their credit limit. Because the installation loan handling fees of these two banks are much lower than other commercial banks. If the limit is increased, you can apply for an installment loan at any time if you are short of money in the future, and you will save a lot of handling fees. If you handle the financial investment business of Agricultural Bank of China and ICBC, your credit card limit will increase quickly. Needless to say, China Merchants Bank is the bank with the highest number of card applications. It has low application thresholds and fast credit limits. The mobile life APP is particularly easy to use, has good service and has many discounts. Apart from the cheating points system, it is worth getting one.

2) China Construction Bank is the best bank among the four major state-owned banks to issue cards. It is also one of the banks with relatively large issuance volume. The installment loan fee is also very low. If the application for a card from Agricultural Bank of China or ICBC is rejected , you might as well consider a China Construction Bank credit card. Shanghai Pudong Development Bank and China Guangdong Development Bank have cooperation with airlines. It is a magic tool for accumulating mileage. The key point is to redeem credit card points for air tickets.

3) If you have a card with a large limit, you can apply for credit cards such as Ping An, CITIC, and Bank of Communications. They will consider your current limit, and the benefits and discounts are also good.

After talking about banks, the editor will share some tips on credit cards. In fact, the products and services of each bank are different. Different people have different needs and have different card application qualifications. If you are a company leader or boss, then just go straight for the platinum or black card. If you If you are an ordinary office worker who cares about eating, drinking and having fun, there are many credit cards suitable for you.

So don’t always think about getting a perfect card. For most people, the most important things are the rights, discounts, and credit limit.

Newbies who apply for a credit card for the first time have selected a few cards that are worth applying for.

Everyone can develop to a higher level on this basis, which is very suitable for friends with low consumption. .

1. China Merchants Bank: YOUNG Card

Xicaijun has also applied for an entry-level card for many people. China Merchants Bank’s credit card system is the best in the country and has a good reputation. , its mobile life APP is the best banking APP in the industry. It has a lot of activities, and the application threshold is very low. Although the deposit amount is not high, the amount can be increased quickly. It is recommended to buy one.

Future goals: China Merchants Bank Classic Platinum Credit Card, AE Express White, UnionPay Diamond Card

2. Shanghai Pudong Development Bank: Platinum Simple Card

Pudong Development Bank is rapidly developing in recent years A rising dark horse with many discounts and activities, it is very suitable for profiteering. It has the Pudong Development Bank American Express Platinum Card, a magic card for mileage redemption. You may consider applying for one in the future to earn points. At present, novices are suitable to apply for this simple platinum card, which has no annual fee. The biggest feature is that it can be applied for with sesame points, which is not bad.

Future goals: Pudong AE White, Super White

3. China CITIC Bank: i Platinum Card

A must-have for young people, a must-have for entry-level people, a must-have The first platinum card. This card is a well-known Internet celebrity card. Although some of its benefits have been cut off, it is still a good card with fast approval speed, double points for online transactions, and 5 million aviation accident insurance, delay insurance, etc.

Future goals: CITIC Little White Card, CITIC All-Currency Card

The best credit card is the one that suits you. If you are applying for a credit card for the first time, it is recommended that you learn more about the bank and the card type, and clarify what rights and benefits you want before you start, so that you can truly enjoy the convenience and comfort that a credit card brings to you.