Legal subjectivity: Credit cards can be used nationwide, and there are no geographical restrictions on the use of credit cards. No matter what channel users apply for a credit card, they can use it nationwide because UnionPay credit cards are supported nationwide. 1. Can credit cards be used nationwide? 1. Credit cards can be used nationwide, and there are no geographical restrictions on the use of credit cards. No matter what channel users apply for a credit card, they can use it nationwide because UnionPay credit cards are supported nationwide. Credit cards with other logos can even be used abroad. Therefore, credit cards are used in a wide range of areas and can be used domestically or abroad. 2. If the user only uses credit cards domestically, it is enough to apply for a UnionPay card. If the user needs to use the card abroad, he can apply for other cards. 2. How do Chinese citizens apply for a credit card? 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards: 1. Credit card. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally. 2. Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed. Credit cards can be used nationwide, and there are no geographical restrictions on the use of credit cards. No matter what channel users apply for a credit card, they can use it nationwide because UnionPay credit cards are supported nationwide. Legal objectivity: Article 674 of the "People's Republic of China and Civil Code" The borrower shall pay interest according to the agreed period. Article 675 The borrower shall repay the loan within the agreed time limit.