What does the first credit card (credit card) mean?
The first credit card (credit card) card refers to the user applying for the first credit card (credit card) at a certain bank, then it is called applying for the first credit card (credit card) from a certain bank. . If you apply for the first credit card (debit card) through the Internet, you must go to an offline outlet to activate it. If you apply through offline channels, since you have already signed it offline, you do not need to go to a bank branch to activate it.
Users apply for a first credit card (debit card) through the Internet. If there are no bank branches in the city where they are located, it will be very inconvenient for activation.
What are the benefits of using a first credit card? These matters must be clear
The first credit card refers to the first credit card we apply for, which is also the first credit card in life. It is often said that when applying for the first card, you must know how to choose the card, and you cannot apply for the card blindly. This is because the first card is very important, and it will be good for us to apply for the second and third cards in the future. So, what are the benefits of first-time credit card? How to apply for the first card? Let’s find out together below.
For those who want to have multiple high-limit credit cards, the first credit card in life, that is, the first card, is very important and must not be ignored. Here are the following reasons:
When applying for a card for the first time, the bank will make a comprehensive score with reference to your work, education, income, assets and other aspects, and then decide whether to approve the card and the credit limit based on the score. If your card is not from a public institution, civil servant, 500 If you are a strong corporate employee, no matter how high your score is, the maximum limit for your first card will be 50,000.
When applying for a second card, the bank will also refer to the credit limit of your first card. If the card is used well and the credit report is good, the credit limit should not be much lower than that of the first card. . This is also a big reason why we see people with similar qualifications as ourselves having a higher single-card limit than ourselves, that is, their first card limit is higher.
So, how to apply for the first credit card?
Many people have this understanding. When applying for a first-time credit card, they apply for credit cards from multiple banks at once, thinking that casting a wide net will always lead to success. If one bank is rejected, the other bank may be successful. . This is actually a wrong approach.
The correct idea for applying for a first-time card is to first find a bank where it is easy to get a card, then select a card according to your needs, wait for the card to be approved, and then use the card to make purchases. It is best to use a monthly limit of 50- 70, you can also apply for some installments during this period. After using the card for 3 to 6 months, when the limit of the first card reaches the desired amount through the withdrawal of the card, you can then apply for the second and third cards. As long as the card is in good condition, If it is not overdue, then the limit of the second card will naturally not be much lower, and so on.
As for which banks’ credit cards are easy to apply for, based on the card approval rates of various banks in recent years, we will introduce several banks that are easier to apply for: Everbright Bank, China Merchants Bank, China CITIC Bank, Bank of Communications, Industrial and Commercial Bank of China. Bank, China Guangfa Bank. In addition, in terms of card selection, it is recommended to choose the card level according to your own qualifications. It is best to apply for the first card from the regular card or gold card. Of course, if your personal qualifications are very good and you can provide high-quality property certificates, then go to the branch counter and provide relevant information to directly apply for a platinum card.
What should I do to activate my first credit card? Precautions before and after activation
Everyone knows that a credit card can only be used after it is activated. After activation, if there is no awareness of hidden dangers, it will cause trouble to the cardholder during the use of the card. In order for the cardholder to use the credit card smoothly, what should be done to activate the first credit card? Newbies need to know.
1. Before credit card activation
When applying for the first card online, go to a bank branch to activate it. The main reason is that the bank needs to go through an interview process. Therefore, in this case, to activate the credit card, you need to ensure that the interview goes smoothly. : Bring your valid personal ID, credit card, card collection confirmation letter, additional proof of financial resources, etc. When facing questions from bank staff, answer correctly and fluently, and generally there will be no mistakes.
2. After the credit card is activated
There is a lot of important information on the credit card. If it is stolen by someone with evil intentions, it is easy to be stolen. Therefore, after the first credit card is activated, you must Take the following precautions:
1) Sign the back of the credit card in a timely manner;
2) Change the initial password, not too simple or in a regular manner (avoid birthdays, anniversaries, etc.);
3) Cover the credit card security code on the back;
4) Remember the credit card statement date and repayment date to avoid overdue;
5) Make sure the credit card is small The password-free payment function is not enabled. If it is enabled, it is recommended to turn it off.
Will the credit card be invalidated if it is not activated for 2 months? Will it become invalid after it expires?
What to do when activating the first credit card? The above points I have compiled for you are very important, especially the precautions after activation, which are directly related to the security level of the credit card against theft and swiping, and should not be taken lightly.
Is the first credit card limit important? Let’s apply for the card first
Many card friends apply for a credit card for the first time, and they pay more attention to the first card limit, thinking that the higher the credit card limit, the better. But I think that for your first card, you shouldn’t pay too much attention to the limit. The most important thing is to find a way to get the bank to approve the card. The limit is not fixed anyway. If you use the card well, why don’t you worry about not being able to raise the limit?
Applying for a credit card for the first time is relatively difficult. After all, many people have no credit cards, and the bank does not have any useful information when checking credit, so it cannot be a good indicator of the applicant's willingness and ability to repay. Judgment, if you want to successfully approve cards, you still need to master the skills, and the following points must be considered.
1. Application threshold: It is recommended to start with some joint-stock commercial banks with low thresholds, such as China Merchants, Communications, CITIC, Minsheng, Guangfa, etc. Of course, if you have relatively strong economic strength and assets in your name, you can Directly choose the four major state-owned banks. Those who have no money and assets should not give away their lives.
2. Card application requirements: It mainly depends on what the applicant plans to use the card for. If it is just for daily consumption, apply for a business card, such as a Bank of Communications Wal-Mart co-branded card; if it is for business travel, various airlines You can choose a co-branded card; if it is a gas discount, you can get a card from various car owners and choose the right one according to your needs, which is equivalent to half the success of applying for the card.
3. Charging situation: One is to look at the annual fee, that is, annual fee card or non-annual fee card. The former charges an annual fee upon opening the card, usually referring to platinum and above high-end cards; the latter can be obtained through The annual fee is reduced or waived by swiping a card, such as the Jinpu Card. The higher the annual fee, the harder it is to get the card; one is other fees, such as loss report fees, card replacement fees, cash withdrawal fees, installment fees, etc.
After the card is issued, you can set the limit requirements. Those with high limits can have fun, and those with low limits should not be discouraged. Spend more with the card, repay on time, and standardize the use of the card after 6 months. , and see if the bank will increase the limit. If it always doesn't, you can try to apply for a second card to increase the limit in a curved manner, or apply for a credit card from another bank through a card application.
Is it worth getting a credit card? This is the right way to apply for your first credit card as a novice!
As we all know, online payment is now very developed. For online purchases, you can use Huabei and Baitiao to make overdrafts. For offline purchases, you can also use WeChat and Alipay to scan the QR code to pay. Many people feel that they don’t use credit cards very much.
One netizen asked Xiao Xi: I have Huabei and Baitiao, do I still need to apply for a credit card? Today Xiaoxi will talk to you about this topic.
Huabei, Baitiao and credit cards are all used for overdraft consumption. Compared with credit cards, the advantage of Huabei and Baitiao is that the application threshold is lower. It may be difficult for some people to apply for a credit card because they don’t have a job, but Huabei and Baitiao are easier to get approved.
On the other hand, some of the discounts offered by Huabei and Baitiao are often more direct than credit cards. Most credit card discounts have complex rules, making it difficult for everyone to get benefits.
But even so, Xiao Xi also suggested applying for a credit card. On the one hand, having a credit card gives you one more channel. On the other hand, you can accumulate your own personal credit. If you have applied for a credit card, the bank will know your personal credit, making it easier to get a loan next time. If you keep a white household, it will be more difficult to get a loan from a bank, which will affect your ability to buy a car or a house.
What is the best way to apply for a credit card?
The first step is to check your credit report. If your credit report has been queried by institutions many times, it is best not to apply for a card in the short term and wait a month or two before applying;
If you have many existing credit cards, the success rate of applying for a card will also be lower. will be affected. To increase the success rate of applying for a new card, it is best to cancel the original card with a small limit and difficulty in raising the limit;
If there is an overdue credit report, it will be a bit difficult to apply for a card. You must usually Pay attention to maintaining your credit.
For white households, the success rate of applying for a card for the first time will not be too high. In this case, it is very important to choose the appropriate card application channel. If you have a job, you can choose a bank clerk to apply for a card. More information needs to be submitted offline than online, so the success rate of applying is higher. If you have a good Sesame Credit score, you can also choose to apply for a card through Taobao and Alipay.
As for different card types, the main differences are in levels and preferential rights. In terms of levels, regular cards and gold cards are more suitable for first-time card applications; preferential benefits include consumer rewards, business travel and car benefits. Among them, credit cards with consumer rewards are generally more popular. Typical representatives are various supermarket co-branded cards and online shopping co-branded cards. These two types of cards are relatively affordable and have a low threshold for purchasing, making them very suitable as first-time card choices.
That’s it for the introduction of whether the first credit card is important.