1. The associated card can only be a card and a credit card under the same customer number (ID number). If you use an inconvenient card to open an online bank or telephone bank, you can just transfer your account before the repayment date. Credit cards are exempt from the annual fee in the first year, and the annual fee in the following year is exempted if you swipe your card six times. In fact, you are required to swipe your card six times a year, but the annual fee is not deducted when you cancel your card in the first year.

2. It's easy for me to apply for a credit card, provided that I have a work unit, and I'd better not be a front-line operator. As long as you have a card under your name, it's our current customer. There's an application method called network interception. You only need your ID card and a card to handle the business receipt at the counter, and then you can fill out a form. The handling methods in different regions are different, but it's usually easy to handle a card.