? Recently, a friend asked me which credit cards are suitable for people who are new to credit cards, so I wrote a simple guide from the order of applying for cards and the matters needing attention when applying for cards. It should be noted that this guide is suitable for people who have not bought a house. If they already have a house, there is actually a promotion route when they apply for a card. After all, if there is a mortgage in the bank, the credit qualification is still very good, and it is easy to apply for a large credit card and then apply for a card. Then let's introduce how novices apply for credit cards:

First, the application priority

? To apply for a credit card, a small white person should first choose a bank that has business relations with himself, such as the bank where your salary card is located, the car loan bank, the mortgage bank, the provident fund co-branded card bank, the savings card bank and so on. Because these banks know your financial situation, the approved credit card quota will be higher, and then go to other banks' credit cards, and they will give you a card with reference to the previous quota.

2. Matters needing attention when filling in information

? In order to get a higher card amount, you can make appropriate packaging when filling in the information. For example, fill in the position of your leader, fill in the marital status, fill in the postgraduate degree or above, and the salary level is more than 5,. The mailing address should be written in units as far as possible, which makes the work stable. This information is not available to banks, but it helps to improve personal financial resources.

Third, apply for bank and credit card recommendation

? According to my personal research, I have listed the following credit cards which are suitable for beginners to apply for and easy to get the card. According to the types of banks, they are joint-stock commercial banks, state-owned banks, foreign-funded banks, city commercial banks, etc. This order is also the recommended order, which is the result of combining the amount and difficulty of getting the card. Let's look at the dry goods:

1. Joint-stock commercial banks

China Merchants Bank: China Merchants Bank credit cards have a complete promotion system, so it's all the same for people who apply for cards for the first time. Just choose a card you like. If it's really tangled, just choose China Merchants Bank standard credit cards, which is simple and elegant ~ There is no need to choose multi-currency cards, and a series of account information will be left on the credit information. By the way, please remember to ask your strong brother to recommend a card when applying for China Merchants Bank card.

China CITIC Bank: I Platinum

China Guangfa Bank: Zhenshang Platinum Card VISA Edition

Shanghai Pudong Development Bank: Shanghai Pudong Development Bank VIPlus "Alliance" Card

Industrial Bank: Industrial Bank Card (Elite Edition), PASS Card

Minsheng Bank: Minsheng Car Card-Standard Platinum Card

If the application is rejected, please apply for the bank's standard credit card yourself.

2. The five major state-owned banks

Bank of Communications: Wal-Mart Credit Card Gold Card (Wal-Mart will have a cashback event on Friday) or Standard Credit Card Gold Card (simple and beautiful). When applying for the card, please bookmark a global card of Bank of Communications, which looks good.

Industrial and Commercial Bank of China: Shangri-La Platinum Card, JCB Travel Platinum Card

Agricultural Bank of China: upgrade the mother card beautifully, but the online application of Agricultural Bank of China is easy to give only 5 quota, so it is best to go to the counter or make psychological preparations for online application.

China Construction Bank: Dragon JOY Credit Card (young and fashionable), China Southern Pearl Platinum Card (14 yuan: 1 mile) or LINEFRIENDS Fan Credit Card (cute card face)

China Bank: Phoenix Zhiyin Air China Bank of China Credit Card

3. Foreign banks

HSBC Bank: Life Credit Card

4. City commercial banks: depending on preferences

? The above is only a summary of personal experience and opinions. If you have any questions or different opinions, please feel free to communicate ~