Credit card is a modern financial tool, mainly used to facilitate personal and corporate consumption and enjoy various preferential services. The following are its main functions and usage methods:

First of all, credit cards greatly facilitate our daily payments. We do not need to carry a large amount of cash with us. We only need to swipe the card at merchants with the UnionPay logo, no matter Transactions can be easily completed anywhere in the country, and there are usually no handling fees, saving you the hassle of carrying cash.

Secondly, credit cards often cooperate with banks and merchants to provide rich promotions. Consumers can enjoy various discounts when shopping with participating merchants, which not only reduces consumption costs, but also increases the fun of shopping.

In addition, credit cards also come with a wealth of value-added services. The bank provides cardholders with a variety of services including cash rewards, lottery draws, shopping discounts, free insurance, travel services, personal financial reports and other services to meet the needs of different users and enhance the overall consumption experience of cardholders.

To apply for a credit card, you generally need to meet some basic conditions. Adults (over 18 years old) with stable financial resources can serve as individual applicants. For enterprises, they need to be institutions with independent legal personality. During the application process, you usually need to fill in a detailed application form and provide copies of relevant documents and personal credit certificates, such as employer guarantee or personal guarantee.

In general, a credit card is a comprehensive financial tool through which cardholders can enjoy payment convenience, preferential activities and value-added services, which is an indispensable part of modern life.