Every bank in Yantai has credit cards, each with its own characteristics. For example, China Merchants Bank has a rule that no handling fee will be charged within three withdrawals every month. No matter which bank's cash machine is used, handling fees will be waived within three withdrawals.

The general credit limit is 3,000 to 50,000 yuan, depending on your salary limit. The key is to use it for consumption, such as going to the hospital to see a doctor, buying medicine, shopping, eating, etc. Don't overdraft to withdraw cash, the interest rate is very high, which is not cost-effective.