Second, the general card requires an annual fee, but if you swipe six pens at will (the amount is not limited), you will be exempted from the annual fee for the next year (the annual fee for the first year). Generally speaking, credit cards encourage you to spend.

Third, use a credit card, remember that your bill date and repayment date are, and failure to repay in time may affect your credit limit and even bear legal responsibility.

Fourth, the minimum repayment amount is generally about one tenth of the repayment amount. You can look at the bill, which is very clear. If you don't know, call 400. Calling landlines is free, and calling local calls is charged by mobile phones.