Only a credit card can be used as a mortgage to buy things, and your credit limit must reach the price of the goods you want to buy. Bank cards are only used to temporarily store money. If you have money in the card, you can use it to make purchases. If you don't have money, you can't apply for a mortgage. Before buying a mobile phone, you need to go to a bank or ATM to check your credit limit. If you meet the purchase conditions, you can go directly to the store that sells the mobile phone and swipe your card to purchase. Then the bank's customer service manager will contact you to discuss repayment matters. , it seems that the first month is face-to-face interest (some products signed with banks will have full face-to-face interest), and then the repayment is monthly.