1. All card-issuing banks in Yantai, except the local commercial bank, Postal Savings Bank and Hengfeng, all have credit card business.

2. Anyone who is over 18 years old (in principle, cannot be older than 65 years old), has a stable job and income, no bad credit record, and has full capacity for civil conduct can apply for a credit card.

3. Prepare copies of identity documents, proof of residence and original documents proving income. (Administrative institutions and civil servants only need copies of ID cards and work permits). Each bank has different requirements for incoming documents. Proof of financial resources and academic qualifications can help you increase your limit.

4. Among the current card-issuing banks, China Merchants Bank has the shortest interest-free period, 48 days; ICBC and Bank of Communications have the longest interest-free period, 56 days.