Credit cards are used for overdraft, preferably for consumption, so that you can take advantage of the interest-free repayment period given by a bank, which is better. There are not only handling fees but also interest for withdrawing cash, which is not cost-effective, I think. You can bind a debit card, and you don't have to go to the bank when the repayment date arrives, so you can deduct it directly from the debit card account. Another advantage of credit card is that there is no handling fee for remittance in different places. If you apply for the universal version of ICBC credit card, the local cash withdrawal fee is free, so that parents can save tens of dollars by remittance from home. It is more credible for students to set up stalls. A copy of your ID card, plus your student ID card, will do.