Credit card is a kind of credit service, and the bank provides a certain amount of funds for the cardholder to use during the interest-free period. The amount ranges from thousands to tens of thousands. Usually, the higher the level of the card, the higher the amount.

For small white users, it is necessary to choose an easy card type for the first time, and there is no need to pursue high-level and high-grade cards, and the number should not be too much. Let me recommend two entry credit cards first.

I have repeatedly recommended this card, especially for beginners, especially young people who have just graduated. There is no handling fee for the first withdrawal, and the withdrawal amount is 100%. The points of China Merchants Bank are permanently valid, which is very good.

This card and China Merchants Bank's youth card have one thing in common, that is, cash withdrawal discount. But more importantly, Bank of Communications has many discounts, such as the most popular brand activities involving supermarkets and gas stations. In addition, there are also popular activities and awards every year.

In the past, you can give gifts to new residents after filling in the information, which is found all over the world. It's different now. You need to approve the card and activate it before you can get a new home gift. Therefore, whether you apply for a new card or not, remember to activate it. If it is not activated, it may affect your future card use.

It is mentioned in the above two cards. If it is not particularly necessary, it is usually not recommended to withdraw cash. After all, free handling fee does not mean free. Cardholders also need to pay five ten thousandths of interest every day, and the interest rate is also very high.

Don't withdraw cash or save money. Because credit cards are different from debit cards, most credit cards not only have interest-free deposits, but also have to pay a handling fee if they want to take them out.

For Xiao Bai, who is just getting started, it is often out of control when using credit cards. I saw on the forum of I love cards that some card friends used one card to withdraw cash directly to repay another card because of the serious overdraft at the beginning. It is conceivable that the consequence of doing so can only be more and more profitable and gradually become a slave. Therefore, we should avoid robbing Peter to pay Paul.

In addition, some people will choose installment or minimum repayment. Although these two methods seem safe and sound, there is no illegal use, but in the long run, high interest rates are inevitable.