A credit card is a personal credit card issued by the banking system that can be used for advance consumption.

Using a credit card, you can choose to spend a certain amount without depositing money, and then pay off the consumption within a certain interest-free period. Unlike ordinary debit cards, credit cards can be used for consumption activities without pre-deposit.

A traveler's check is a type of note issued specifically for travel. This type of note can be used to pay for various expenses when you travel, provided that the merchant you want to pay supports this type of traveler's check.

The purpose of a credit card is to consume first and repay later. This is the biggest use.

There are many ways to apply.

You can use business cards, real estate certificates, work permits, work income certificates, driving licenses, etc. There will be credit card salesmen at the entrance of many large shopping malls, or you can go to the bank to find security, and the security will take you there.