Credit card is a kind of card with overdraft limit, that is, spending first, then paying the bill. Credit card has a certain interest-free period, usually 50-60 days (different banks), but interest-free is direct consumption. If cash is withdrawn, interest will be calculated at the rate of five ten thousandths per day from the date of withdrawal, which is compound interest. The credit card limit depends on the materials you provide. The minimum amount of a bank card is 3000, which can also reach tens of thousands. Even for platinum card users, there is no restriction. To apply for a credit card, you need to provide a copy of your ID card, as well as a certificate of work income issued by your company, and affix it to the newspaper. This is the most basic information. But the proof of work income can be a salary card issued by the bank.