What kind of credit card does the newcomer suggest?

Newcomers who apply for credit cards are generally people with average credit conditions, such as graduates who have just entered the workplace, who have low repayment ability and are more suitable for applying for ordinary cards and gold cards. For example: China Merchants Bank YOUNG card, mainly for young people; The Bank of Communications Y-POWER card also belongs to the youth card; And Zhongxin Yanka, Everbright Xiaobai Card, etc. At the same time, it is not recommended to apply for a platinum credit card, which is highly likely to be rejected. If your personal qualifications are good, you can also try CITIC I Platinum Card, Bank of Communications Youyibai Card and Guangfa Shang Zhen Platinum Card. First of all, you should say Pufa AE Platinum Card, which can be exchanged for 2 nights of star-rated hotels with 50,000 points every year. It's really hard to get down now. The first question: Which cards can be exchanged for hotels? Credit cards with free hotels include: Pufa Super Platinum has 2 or 4 nights of free hotels every year, but the handling requirements are higher than Pufa AE Platinum. CITIC IHG Platinum has a 1 night free hotel every year, but the annual fee is 3,600 RMB. The credit cards of hotels with convertible points are:

Co-branded cards of hotels, including but not limited to CITIC IHG Gold Card, ICBC Shangri-La Platinum Card, Pudong wehotel Platinum Card, etc. , you can inquire by yourself and choose the hotel grade according to your own needs.

But it needs to be clear that it takes a lot of bank points to change a hotel for one night, so you need to have enough credit card limit and corresponding credit card consumption.

A few credit cards with convertible points (points) and cash are: China Merchants Bank Classic White can be converted into 300 (and above) cash four times a year+100 points, and the annual fee can be converted into Minsheng Elite White 299 (and above) cash +200 points six times a year. The second question is: as a newcomer who has never done a credit card, look at your qualifications: if your parents help you buy high-net-worth real estate in your name, Minsheng Bank, which loves real estate licenses most, is your first choice. Go to the outlet to handle the elite IOUs of Minsheng Bank, with a quota of 80,000, which has the hotel rights you want. If your parents bought a luxury car for you, and it is in your name, then China Merchants Bank, which loves driving test, is your first choice. Go to the outlet to handle the classic white note of China Merchants Bank, 60,000 quota, and the desired hotel rights. If your parents can give you a large deposit in a bank account, then you can choose a bank that loves to deposit. At present, good cards with clearly marked prices include China Merchants Bank Classic White, Bank of Communications Kirin White (with a quota of 30,000 batches) and Standard Chartered Sincere White (with a quota of 50,000 batches), all of which can be applied for three months after a deposit of 500,000 yuan. If you are in an organization or an awesome company, such as BATJ in China, the Big Four foreign companies, powerful foreign companies and so on. Then find a platinum card you like in prime bank and talk to the account manager. Generally, the problem is not big. If none of the above has anything to do with you, then I suggest: Scheme 1: Choose a bank with a clear promotion system, such as China Merchants Bank, Minsheng Bank and China Everbright Bank. These banks are not slow to withdraw money. For example, when they run a gold card, they invite small platinum when a certain amount is used, and large platinum (or diamond card) when a certain amount is used. Option 2: Choose banks with fast withdrawal speed, such as ICBC, Agricultural Bank of China, Guangfa, China Merchants Bank and Minsheng. Option 3: Choose high-end card banks, such as ICBC, Shanghai Pudong Development Bank, China Merchants Bank, Minsheng Bank and Ping An Bank. Option 4: Choose your salary bank to apply for the first credit card, and the risk of rejection is almost O, which is suitable for the case that you are rejected by Option 1, Option 2 and Option 3. In terms of card selection, in addition to the hotel co-branded card you want, try to choose a credit card with multiple points. For most gold cards, the rights and interests are not very good, so I think the focus is on points rebate. The bank gave many gold cards multiple points: for example, the car card of China Merchants Bank (there must be any car), the city card (it must be in the corresponding city) and the mobile co-branded card of Bank of China are all 1.5 times points; China Merchants Bank young Card (limited to birthday month), CITIC Online Co-branded Card, Xingye New Car Friend Card and Minsheng Women Flower Card (limited to Thursday) are all 2 times points; Guangfa's DIY card, True Love card and Standard Chartered's Real Card are all triple the points of specific industries. These cards are still worth holding even after you have a platinum card or even a top card of your peers.