Any bank credit card can be used in advance. The general limit ranges from 2000 to 50000, depending on the level of your credit card. As for installment, it depends on where you bought it and whether you support installment payment. Go to one of those big regular shops. Generally speaking, it's ok. Follow-up: Do you need any proof? I don't have proof of income? Answer: You mean you haven't applied for a credit card yet? At present, the threshold for applying for a credit card is very low. If you have a suitable job, you can do it. If you don't have a business card, you can provide the company name and phone number. If you don't have a job, the bank may need you to provide some proof that you have a source of income. After all, banks still need some basic guarantees. Anyway, the threshold for applying for a credit card is very low now. Basically, you can often see someone inviting you to apply for a credit card on the street, which was impossible in the past. .