1, as long as your personal credit record is good, you have a relatively fixed job, and there are not too many requirements for the credit card limit, it is quite simple to apply for a credit card.

2. When the credit card is issued, the bank will approve to give you a credit limit, within which the credit card can be consumed first and then repaid.

3. At present, many banks' credit cards have installment payment business, which can be generally divided into three, six or 12 periods, and individual banks can also be divided into 18 periods. Banks advertise that credit card installment payment is interest-free, in fact, it is necessary to charge a certain installment fee. In addition, if one installment is not paid back, overdraft interest will be added. Therefore, credit card installment shopping is actually inevitable.

Which bank's card is good depends on your own needs. If you often spend money online, you can apply for cards from China Merchants Bank, Bank of Communications and ICBC. If you just spend money in a general store, it's just like any bank.