There are so many credit card products on the market that many people are dazzled and don't know what credit card to choose. In fact, it seems difficult, but it is also easy to do. As long as you grasp two key points, you can basically choose the credit card that suits you best.

1, apply for a card according to your own qualifications.

This is divided into two small points, one is to choose the bank, and the other is to choose the level of the card.

1) bank

With strong economic strength and good credit, you can apply for credit cards of the four major state-owned banks with deposits, automobile products and real estate under your name, because the applicant's financial assets are the most important, and the threshold is naturally higher;

If you have average financial ability and no savings, your salary will be dead every month, especially when you just step into the society. It is best to apply for credit cards from commercial banks, such as China Merchants Bank, Minsheng Bank, Industrial Bank and China CITIC Bank.

2) Card level

Even the same credit card may be divided into several levels, so it is necessary to choose the appropriate card level according to your own qualifications.

If your credit card has platinum card and gold card, if you have good financial strength and can provide sufficient financial proof materials when handling the card, then it is best to handle the platinum card; General education, no strong economic strength, it is best to apply for a gold card.

2. Make cards according to your own needs.

The result of blindly handling cards is that it is easy to handle cards that are not commonly used, so this is a waste of resources. Therefore, it is suggested that you must be clear about your needs before you apply for a card, that is, what you want to do with your credit card.

If you want to buy a ticket with a card and enjoy the VIP room service at the airport, you can apply for a business credit card or an airline joint card from the banks; If you want to enjoy all kinds of food discounts, the Meituan co-branded cards of banks should be able to meet your needs and so on.

The above is the introduction of "How to choose the best credit card for you", I hope it will help you. In short, no matter what credit card you apply for, it is recommended to choose the right credit card based on your own qualifications and needs, otherwise the consequences of blindly applying for a card will be more serious.