1 China citic bank "Yan" series credit cards (gold cards)
CITIC Bank's "Yan" series of credit cards have low application threshold, convenient application and the fastest card issuance in one day; The annual fee is 200 yuan, and the annual fee for the first year can be waived if you swipe your card or withdraw cash once within 30 days after approval. You can waive the annual fee for the following year by swiping your card or withdrawing cash five times in one year, and so on. Free exchange of 9 points for vouchers such as Didi, Hungry, Box Ma Xiansheng, Tmall, JD.COM, audio-visual members such as iQiyi and Netease Cloud Music, and dining vouchers such as Xicha and Pizza Hut; You can also buy a movie ticket at a discount price for 9 yuan. In addition, for new users of CITIC Credit Card, Xiaomi backpack and 20 yuan McDonald's vouchers will be given. If they spend any amount within 30 days and spend six times in 99 yuan or above within 60 days.
2 Bank of Communications Y-POWER Credit Card (Puka)
Bank of Communications Y-POWER Credit Card (Puka) is aimed at students and young people, and the threshold for handling cards is low; 80 yuan annual fee is exempted in the first year, and the annual fee for the following year is exempted after 6 times of brushing; Domestic RMB cash withdrawal fees are as low as 5 yuan/pen; Consumption in 500 yuan can be repaid in installments; The longest interest-free repayment period is 56 days. New residents will complete any purchase of 1 before the end of next month, and complete three single purchases of 168 yuan within 45 days from the date of card verification, so that they can exchange 5 points for Midea electric oven, Midea rice cooker and Jiuyang multifunctional rice cooker.
3 China Merchants Bank Youth Card
China Merchants Bank's young card application threshold is low, mainly for young users under the age of 30, which is more suitable for young people to apply. Moreover, the withdrawal amount of China Merchants Bank's young card can reach 100%, and the first withdrawal every month can be exempted from handling fees. In addition, you can enjoy double points when you spend your young card at China Merchants Bank. Installment payment is not restricted by specific commodities and merchants. After the bill is installment, installment repayment can also enjoy a longer interest-free period, and there is greater freedom in choosing the installment amount and number of installments.
As a novice, when handling credit cards, you should still choose the credit card that suits you according to your actual situation. In the process of using credit cards, you should use the credit card limit in accordance with the regulations and repay in full and on time to avoid overdue.