The convenient use of Huabei Baitiao may make people overlook the importance of credit cards. Many people may think that my Huabei and Baitiao limits are enough, so why should I apply for a credit card? In fact, this is not the case. There are many advantages of credit cards that Huabei and Baitiao cannot match.

Take the interest-free period as an example. The longest credit card limit is 56 days, while Huabei Baitiao only lasts for one month. The high limit of Huabei Baitiao may only be 10,000 to 20,000, but the basic credit limit is higher than theirs. High, you still need a credit card for some large purchases. Credit card purchases can earn points, which can be redeemed for various physical items, coupons, and even airline miles, something Huabei Baitiao does not offer. Bank discounts will also be reflected on credit cards. The most important thing is that credit cards can accumulate personal credit records. A good credit record will play a big role in future loans to buy cars and houses. Speaking of which, there are so many types of credit cards on the market, how do you choose? Today I tell you that the five most recommended credit cards in 2022 are all here. If you are still hesitating, hurry up and get on board. China Merchants Bank Classic Platinum Card

It is a must-have for business people. One card is very cost-effective. This is the most popular domestic credit card among multi-millionaires. Among all the high-end cards of China Merchants Bank, only the classic white annual fee is waived, while the rest have rigid annual fees. This is the most classic thing about this card.

If you have enough points in your account, you can also directly deduct the annual fee. 10,000 points can deduct the annual fee of 3,600 yuan, which is enough. Points can also be used to directly redeem miles, which are just needed. But please note that once you get this card, you need to pay an annual fee regardless of whether it is activated or not. Among the high-end cards of various banks, CMB Classic White is an evergreen card with stable rights and many value-added services.

You can use the airport VIP channel 6 times a year, and you can also bring one person for free;