Just go to the counter of the business outlet to inquire. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee. Extended information

When a cardholder uses a credit card to make a large purchase, the card-issuing bank will pay the merchant a one-time payment for the goods (or services) purchased by the cardholder, and will be transferred to the merchant based on the cardholder's application. The consumption funds are deducted from the cardholder's credit card account in installments, and the cardholder repays according to the monthly credit amount.

In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Baidu Encyclopedia-Credit Card