1. Applicable people for credit cards: People with stable salary income, frequent card consumption, able to repay on time, and good personal credit are suitable for credit cards.

2. In terms of funds, first of all, you must have a fixed income, and you cannot be someone who relies on their "relief" to live, such as students. From the perspective of shopping needs. Credit cards are suitable for people who shop online for a long time, because many online purchases support large one-time payments or even installment payments.

3. From the perspective of exit. It is suitable for people who often travel abroad, whether for tourism or official business, because the credit cards are dual-currency, RMB plus US dollars.

4. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.

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