How does Xiaobai choose to apply for a credit card for the first time?

There are many kinds of bank credit cards, which makes Xiaobai, the first time to apply for a card, feel helpless. In fact, it is not difficult to choose a credit card from the following aspects to find his own needs.

Select according to the bank

Xiaobai is more suitable to choose Guangfa, Pudong Development Bank, CITIC, Bank of Communications and other banks when applying for credit cards for the first time, because these banks have lower application threshold and full incentives, so there is more wool to be collected. In addition, the bank that chooses the salary card to handle the credit card will greatly increase the card rate.

Select according to the purpose

You can choose credit card from your own preferences and uses. According to the characteristics, credit cards can be divided into standard cards, shopping cards, owner cards, business travel/hotel cards, multiple integral cards, game cards, etc. If you like traveling, you can choose the airline card for business travel, redeem points for miles, multiple points, and free hotels, so that you can enjoy the pleasure of discount during the journey.

Select according to quota

When handling credit cards for the first time, you should choose the limit according to your own situation. Don't blindly choose a high limit. If you don't control your purchasing desire, you will be in trouble if you don't pay more. The most important thing is that credit investigation will be affected.

Select according to cost

Basic expenses such as annual fee of credit card, interest, cash withdrawal fee, overrun fee, late fee, loss reporting fee, etc., and installment interest and handling fee are also required for installment. These fees vary slightly from credit card to credit card, so it's better to know them clearly before handling.