Generally speaking, credit cards and debit cards (the longest interest-free period for consumption is 56 days). The general bank gives the applicant a credit line of 5,000 yuan, a cash overdraft line of 2,500 yuan and a consumption overdraft line of 2,500 yuan, and the cash overdraft line can be directly withdrawn from the ATM.

Process: provide ID card, guarantor ID card, deposit (required by some banks) and so on, and then fill out an application form for the bank.

The issuing bank will verify the authenticity of the applicant's occupation, income, guarantor and property.

Pay attention to when handling credit cards:

1. Fill in the personal guarantee information clearly;

2. The applicant unit and the guarantor unit must be stamped with the official seal of the unit;

3. The guarantor must be at least 25 years old, and the guarantor must hold a valid personal identification and have a stable source of income;

4. Husband and wife cannot guarantee each other;

5. Copies of the ID cards of the applicant and the guarantor must be pasted in the "valid certificate office" of the application form;

7. The applicant and the guarantor must sign the application form in the form of unit guarantee, and must have a copy of the business license of the applicant's unit, the signature of the legal person and a copy of the bank statement of the unit in the past three months.