What kind of credit card do ordinary people use?

Hello, I got my first credit card in 2006, the peak 13 credit card, and obtained the certificate of national financial planner in 2009. Futures Chu Xiao feels qualified to answer your question.

First of all, let me talk about the concept of credit card. Refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day. Simply put, a credit card is a short-term unsecured credit loan.

Secondly, let's talk about the classification of credit cards. Puka-Gold Card-Platinum Card-Diamond Card

1, Puka: Under normal circumstances, everyone can apply for a Puka, and the annual fee can be waived by swiping the card several times. The amount is also increased bit by bit according to your consumption repayment. Most routines give you a quota first. If the line is kept in good condition after use, it won't take long to convert it into a fixed line.

2. Gold card, gold face, is more strict than ordinary card approval, so the preferential treatment should be better. The limit is generally 1w~5w. The threshold for gold card approval has increased. In addition to the high amount, you can also enjoy a variety of value-added services, and the annual fee is relatively high, but you can avoid it if you have the opportunity.

3. Platinum Card: Value-added services such as airport VIP and free rescue can instantly improve your quality. Platinum card audit is stricter, requiring proof of assets or deposit, and it is easy for people with annual income of 20W+ good credit;

4. diamond card: a symbol of the broad status of successful people, of course, higher than platinum card. The general quota is 1 million, and you need your qualifications to prove that you are worth it.

Black cards are called infinite cards, and heaven and earth can do anything.

Third, how do ordinary people who apply for a credit card for the first time apply for a credit card?

According to Chu Xiao's own experience. It is suggested that private banks, China Merchants Bank and Ping An Bank should be preferred for the first application.

Because the audit conditions of China Merchants Bank and Ping An Bank are relatively simple, the nuclear card and the card are relatively fast. China Merchants Bank Card also has many discounts. Nowadays, many people participate in insurance, and Ping An credit card can be issued free of charge.

After the first credit card came down, it was used for several months. Then apply for credit cards from ICBC and CCB, both of which are big state-owned banks, and credit cards are the best.

Icbc credit card is the first bank to introduce free withdrawal of overpayment and not charge full late fees. It is more convenient and faster to increase the credit card limit of CCB.

Third, it is suggested to apply for senior cards of CITIC Bank and Minsheng Bank. CITIC Bank's gold card is fast and has a low threshold, but the amount is low. Minsheng Bank's platinum card threshold is relatively low among all banks.

If you have a platinum card from Minsheng Bank, you can apply for a credit card from another bank.

However, Chu Xiao reminded everyone to spend reasonably and use credit cards reasonably.

I have a credit card of ETC myself, which is the credit card of Agricultural Bank. The owner is still quite easy to use, ETC payment is convenient, and there are often preferential activities such as refueling and car washing.

It is suggested that four major state-owned banks can be used for a credit card, because when many small banks apply for credit cards, if they have credit cards from four major state-owned banks, the approval amount will be higher and the difficulty will be less.

In addition, there will be more preferential activities for Guangfa Credit Card and China Merchants Bank Credit Card, and you can also make one or two appropriately.

At present, Alipay Huabai and JD.COM Baitiao Bank are convenient and can support most online shopping, and there is also an interest-free period of about 1 month. Therefore, it is suggested that ordinary people should not apply for too many credit cards. At present, the economic situation is not very good, and it is best not to spend in advance. Moreover, overdue credit cards have an impact on credit reporting, which will affect work and loans in the future.

Credit cards of joint-stock banks such as China Merchants Bank and Shanghai Pudong Development Bank are recommended. Advantages are: more consumption concessions, more discounts and promotions, and more money.

I have worked as a credit card salesman for a year before, so I can talk about my feelings. At present, 13 national commercial banks have issued credit cards, and some local banks have also issued credit cards. Relatively speaking, local banks are still relatively small, with few cardholders, insufficient coverage of bank outlets, and few activities of credit card merchants. A considerable number of local banks are chicken ribs. Therefore, local banks are not recommended.

/kloc-among the three national banks, China, industry, agriculture and construction are the strongest. As for a series of credit card activities, ABC's points can be deducted directly from the orders placed by Meituan (1 1,000 points can be deducted 1 yuan), while CCB often has sign-in activities, which will directly reward credit card payment, and the value of ICBC's points is relatively high (about 600 points, 1 yuan equivalent goods).

You can choose according to your usual consumption habits. If you have a car, you can apply for the corresponding owner card, and you have the right to refuel and wash the car for free.

It is not which bank's credit card is good, but which bank's credit card is suitable for you.

If you have a job, you can apply for a credit card at your correspondent bank first, and then use your credit card well. If you use it well, you can raise the amount in about 3 months. When your credit card limit is increased to 50,000, you can apply for another bank's credit card with your card, and the credit limit of your first card will be basically the same. If you apply for three more credit cards, plus the first credit card, there is almost a limit of 200 thousand. Then when these credit cards are raised well, there will be a credit card loan behind each card, and the maximum loan amount can reach 300,000 to 500,000. And some banks can also handle large installment cards that do not occupy your credit card limit. The credit limit of installment cards is generally 200 thousand to 300 thousand. If you use a good credit card, these installment cards are easy to approve. Therefore, using a good credit card can basically solve the financing needs of about100-2 million, which can generally solve the capital needs of many people.

If you don't pay your salary, you can apply from which channel according to your Alipay or WeChat. If you don't know, then I suggest you apply for a China Merchants Bank credit card with your first credit card. You can deposit some money in China Merchants Bank first, then buy bank wealth management, walk around the bank, apply for it after a while, and you can get the card soon. Moreover, the credit card of China Merchants Bank can be raised to the full amount in 49 days at the earliest, and the full amount of ordinary cards is 50,000.

Therefore, as long as your personal credit information is established, credit cards and loans behind credit cards can basically solve your financing needs, provided that credit is established in advance, instead of cramming for help when there is financing demand, it will be too late!

No credit card will combine all the advantages, whether it is good or not depends mainly on your consumption scene.

I have five cards myself. You can refer to my card experience before choosing.

I like delicious food. My first card is China Merchants Bank's credit card, and China Merchants Bank's "50% discount" on Wednesday is believed to be the most familiar activity for many foodies. Not only can you enjoy high-quality food, but you can also enjoy huge discounts and save money. There used to be a joke that "if you use China Merchants Bank credit card, you will be sorry for China Merchants Bank if you don't gain weight". If you like food, China Merchants Bank is the first choice.

2. I like a lot. I have a credit card with a fixed amount of 654.38 million. I think a large amount can not only prove my good qualifications to a certain extent, but also play a greater role when I need capital turnover. If you also like large credit cards, you can choose commercial banks to handle credit cards. The credit lines of the four major banks (ICBC, BOC, ABC and CCB) are generally not too large.

The above is my demand for credit cards, but everyone's demand for credit cards may be different. If you use a lot of cars, you can apply for a car owner card; If you travel a lot, you can apply for a high-speed rail card; Whether there is an annual fee, whether it can be reduced, etc.

Summary: Qinyuan believes that the starting point of using credit cards should be to facilitate life and improve the quality of life. Never squander blindly, just to satisfy your own selfish desires. You can live without a credit card,

You can do that, but don't do too much, because it's not a feeling if you brush it in advance, and it's difficult to return it, so don't spend too much money.

Ordinary people can be divided into two types, one is people who have credit cards, and the other is people who don't have credit cards. They can choose cards according to their own situation.

See your qualifications? I paid the insurance provident fund when I went to work. Do I have a car and a house? Generally speaking, if you are a white household, start with several commercial banks, such as China Merchants Guangfa, and then go to other banks. Other types of cards are gradual, and Buddhism plays cards.