1. With a monthly income of more than 4 yuan, it is impossible to apply for a 3W credit card without other proof of assets.

2. As long as there is an available overdraft balance in the credit card, you can spend as much as you want.

3. The installments range from 3 to 24. There is no minimum repayment in installments, just repay according to the number of installments. For example, if you have an overdraft of 1,200 yuan and repay it in 12 installments, you will have to repay 100 yuan in each installment, and the handling fee will be calculated separately.