The best way to settle accounts by installments is the online shopping mall of people's livelihood, such as mobile phones and notebooks. Many things can be purchased by stages, but people's livelihood has not yet opened in Changchun.
Bank credit cards have a credit information system, which is very troublesome. Some people have high incomes in all aspects and are easily rejected. The same line, with nothing, may also be opened. It depends on luck. It doesn't mean that they will definitely open it if they apply.
I suggest you submit it to Bank of Communications at the same time, or one of the four major banks that you think is convenient for workers, peasants and construction, or you can apply at the same time and hand in an application form. No trouble. You can use either one. In the future, new banks will come in and there will be new shopping discounts. If you want to apply for a new credit card, you can apply for a credit card of this bank with one card. This bank will set your credit card level according to the level of your other bank. Now Ping An Bank has the highest overdraft limit, but I don't know when I can come to Changchun.
Bank of Communications will handle the card quickly. Use another bank card to pay the bank. If you are afraid of trouble, apply for one of the four major banks first, and then apply for Bank of Communications with your card.