For example, if you don't open a card, you have to deduct the annual fee, but you can avoid the annual fee by swiping it six times a year, and you can exchange points for gifts when you buy things. Tell him how long the interest-free period is, and say that some preferential policies make him feel that the points are very favorable to use.

It is generally easier to apply for credit card installment. Cardholders can directly call the bank's customer service phone or send a designated short message to the bank, or log in to online banking, mobile banking and credit card APP.