1. Consumers who frequently shop online can apply for a credit card (debit card) to pay by credit card (debit card). On the one hand, they can buffer the problem of low cash flow in their hands, on the other hand, they can swipe the accumulated points of credit card (debit card) consumption by credit card (debit card) and exchange goods at the end of the year;

2. For groups with cash flow difficulties and capital needs, some wage earners or individual industrial and commercial households can apply for a credit card (debit card) to ease the financial pressure if the wage payment cycle is longer or the capital withdrawal time is longer;

3. People who often go out on business or travel, in different countries or regions, using credit cards can save a lot of trouble, which is much more convenient than cash transactions.

The successful handling of credit card (debit card) requires the bank to evaluate the applicant's economic strength and personal credit information. A steady job income, a steady bank flow, regular and irregular credit card (debit card) consumption, and no bad credit record in the bank credit information system will all affect whether the bank approves the card and the amount of credit card (credit card) issued.