State-owned banks, such as China, agriculture, industry and construction, have a high half-card threshold and a long time to float down.
As for other commercial banks, there may be fewer outlets, but there is one-stop service, which is more convenient for repayment.
2. It is free to apply for a credit card (there may be an annual fee after opening the card, but it is generally free to spend several times a year or when the credit card limit reaches a certain amount). If you do it at the booth in front of the supermarket, there will be a gift of around 10 yuan.
As for the conditions, except for state-owned banks, most commercial banks only need a copy of their ID cards and proof of stable work income.
I don't know anything about computers.
4. If you buy a computer with a credit card, the advantage is that some banks can apply for installment repayment, which means you can call the customer service to confirm the installment first, and then the consumption amount can be repaid in three months, six months, 12 months. In addition, the amount of the credit card will be converted into points that can be redeemed for gifts. Disadvantages: failure to repay in time, high interest.
There is no interest on credit card consumption. However, if the repayment is expected, from the date of consumption, the interest is a certain amount of late payment plus five ten thousandths of interest, which will also lead to a bad credit record.