1. For investment quotas, the quotas generally are low. Minsheng, Bank of Communications, etc., give higher quotas. The major banks such as Industrial and Peasant China Construction Bank now have a slightly lower application approval rate and the quotas are not high.

2. Domestic dual-currency credit cards are acceptable, including master and visa, and ordinary ones

3. For points, if you swipe the card for 40,000 to 50,000 yuan, the points can probably be exchanged for another title 1-2 hundred, but it’s actually only worth 50, so points don’t need to be considered. Some banks have card-opening gifts. This gift is a bit better, but it depends on the event.

4. All major banks have online credit card centers, go check out the promotions.

In addition, if you go to the bank to apply for a limit yourself, the limit is usually lower than if the bank clerk comes to the company to apply for it, and the possibility of failure is also higher.

You don’t need a credit card to go to the Philippines. In some places, you can withdraw cash with a UnionPay card, and the fee is lower than a credit card. Apart from big hotels, there are no other places where you need to swipe your card, so bringing enough cash is a must.