1. Pay attention to the charging standard of the annual credit card fee and the annual fee-free rules;

2. Pay attention to choosing the bank that suits you to handle credit cards. The withdrawal fee and cash installment fee of credit cards in different banks are different, so you should understand clearly when handling them.

3. You should apply for appropriate credit cards according to your own needs. For example, credit cards such as MasterCard and VISA cannot be swiped on UnionPay POS machines. Generally, UnionPay single-currency cards or UnionPay dual-currency cards with other currencies are used in China.

4. Pay attention to the preferential rules and integral rules of credit cards.

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