Supplementary note:

Precautions for using credit cards:

The more credit cards are used, the more banks like them. Therefore, as long as you can swipe your card when you go shopping, you should try to swipe your card as much as possible. You must swipe your credit card six times a year before you can get rid of the annual fee.

Don't withdraw cash unless you have to. The handling fee is too high and you need interest.

Repayment should be made in time, otherwise there will be bad records. The best way is to open a debit card of peers, deposit money and handle automatic repayment.

for bulk consumption, you can swipe your card and then call the bank to ask for installment payment.