The first step: make a comprehensive evaluation of your own conditions. Some friends may not know that the bank will comprehensively evaluate the applicant's credit status when deciding whether to issue credit cards. You can also package your age, work, salary, marital status, education level, provident fund social security, real estate, automobile production, etc. before you apply for a card, so as to pass the exam better and faster.
Step 2: Define your card requirements. When choosing a credit card application, you must have a clear goal. For example, if I do this card shopping, I will do a supermarket co-branded card. Friends who like online shopping can choose to have a Taobao co-branded credit card; Friends who need to make frequent mistakes can consider getting an airline co-branded credit card and a hotel co-branded card, and don't blindly get a card for the high price.
Step 3: Finally, you must choose the bank and level that suits you. Different banks have different requirements for credit card applications, especially the four major state-owned banks, and their risk control is extremely strict. Most users who apply for credit cards for the first time are Xiaobai, so it is difficult to apply for credit cards from the four major state-owned banks. Therefore, we can start with commercial banks, and in order to improve the success rate of card processing, we can also start with low-grade general cards and gold cards.
Having said that, in short, what is suitable is the best. Friends who apply for a credit card for the first time must be rational and don't blindly follow suit. It is the right way to understand the threshold and characteristics of banks before starting.