Hello friends, credit cards are easy to apply for in 2022. As more and more cards are issued by major banks, various card types with low application thresholds are also emerging. As long as you have a good credit report In this case, if you choose the bank’s popular card with low threshold, you can basically apply for the card successfully!

1. General Card

1. Applicable group: anyone (with good credit report)

2. Features: no rigid annual fee

3. Disadvantages: The limit limit is up to 50,000.

Card Selection Analysis

General card is the lowest among credit card levels, so its application threshold is also the lowest, as long as your credit report is good , basically you can successfully apply for the card, and the annual fee is divided into one part that is free of annual fees for life, and another part that is free of annual fees after reaching the number of card swipes, so you don’t have to worry about the annual fee; the limit of the ordinary card is up to 50,000, and once the limit is capped, it will You have to upgrade your card type to obtain a higher limit;

So I suggest that if you have average qualifications and do not have a higher pursuit of credit card limits, you can choose to apply for a regular card, but at the same time, I remind everyone , before applying, you must ensure that there are no bad credit records and that the inquiry does not exceed the limit, otherwise it will be rejected.

2. Gold Card

1. Applicable group: anyone (with good credit)

2. Features: more rights and interests, higher limit

3. Disadvantages: Most of them need to swipe the card a certain number of times to be exempted from the annual fee

Card Selection Analysis

There is not much difference between the gold card and the regular card. The group is the same, but the limit, level marking, rights and annual fees have been improved. Needless to say the level marking, most of the annual fees for gold cards require that the number of card swipes be met before the annual fee and benefits can be waived. Compared with ordinary cards, there are more cards, and the upper limit of the gold card is higher, usually in the range of 6-8w;

So I suggest that if there are certain requirements for the limit, the number of card swipes If you can also meet the annual fee reduction requirements, it is recommended to apply for a gold card. The gold card is currently a more mainstream card level with more applications! To learn more, go to: Gong Chong's nickname "Kashen Xiaobai"!