You can go to the Industrial Bank Credit Card Center, provided that you meet his requirements. General customers are divided into three types: high-quality customers; Marginal customers; There is no guest group. See what kind you are. There are seven forms of card handling: high-quality enterprise employees, income, financial resources, education, car owners and self-employed. If your work unit is good, it is recommended that high-quality enterprise employees apply for cards. The simplest procedure is to use a credit card, as long as you have a credit card from another bank. There are unclear places to ask questions. \x0d\ Benefits of credit card: There are discounts for purchasing certain goods through capital consumption, and the bank credit card center can earn points according to consumption, which can be exchanged for gifts on the bank credit card website. \x0d\ Disadvantages: excessive dependence on credit cards is formed, and late payment of bills will generate late fees and interest. If your credit limit exceeds three times, it will be dangerous, and your mortgage will be limited in the future. \x0d\ In short, handling credit cards depends on your own situation! If the income is good, the job is stable, and the credit card can be returned on time, that's fine.