Credit cards must be used by yourself and not lent to others. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

However, the cash withdrawal interest is also calculated on a daily basis, and there is no interest-free period. Interest is calculated on the day of cash withdrawal, and the interest is also calculated on a daily basis, which is as high as the penalty interest for missing the repayment date. However, it is recommended to deposit a small amount of assets in the credit card in case of emergency, because the funds in the credit card have no current interest.

Many bank credit cards, even if there is cash in the card, still have to charge a handling fee. So you'd better take a bank savings card with you and leave some cash in it. There are few places where large amounts of cash are spent, and credit cards can usually be used for spending, and credit cards have interest-free periods.

Baidu encyclopedia-credit card