For a “novice” who is new to the field of Charge Cards, choosing the right first card is like finding a precise beacon in the vast financial ocean. This card is not only the point of your credit record, but also the key to convenient consumption and the of rights and benefits. However, faced with a wide range of credit card products on the market, novices often fall into a dilemma of choice due to lack of experience. This article will from the actual needs of novices, analyze the core elements of Charge Cards, provide scientific card selection strategies and practical application suggestions, help you accurately match your first card, and take the first step in rational card use.
Accurately locate the card selection direction
Daily consumption: If the main usage scenarios are supermarket detriment, dining and entertainment, and consumption, it is recommended to choose co-branded supermarket cards (such as Walmart co-branded cards, Carrefour co-branded cards) or Internet platform cooperation cards (such as Meituan co-branded cards, JD PLUS co-branded cards). These cards usually provide high-frequency consumption cash back (such as 5% cash back for supermarket consumption), takeaway/movie discounts (10 off for purchases over 50), double points (3 times points for payment), etc., which are in line with the characteristics of daily small-amount high-frequency consumption.
Student growth type: students are advised to choose student-exclusive Charge Cards (such as CMB Young Card Campus Edition and Bank of Communications Y-POWER Campus Card). Such cards have low thresholds (no income proof required), moderate credit limits (initial credit limits of RMB 3,000-8,000), and provide scenario benefits (such as education platform membership, exam registration discounts), and social practice support (such as internship recommendations, vocational training courses), helping campus life and career planning.
The lifeline of cost control
Rigid annual fee: common for high-end cards, such as the CMB Diamond Card with an annual fee of 3,600 yuan. It is necessary to confirm whether the benefits package (such as 4 children’s tickets + unlimited airport VIP lounge) matches the consumption needs.
Swipe to waive annual fee: mainstream mode, such as the Bank of Communications’ Excellent Platinum Card with an annual fee of 500 yuan, which can be waived after 6 annual consumptions, suitable for beginners who control costs.
Points to offset annual fees: some banks support (such as CITIC i Platinum Card, which can use 450,000 points to offset annual fees), and it is necessary to evaluate the difficulty of obtaining points and the redemption ratio.