1 The bank will decide whether to issue a card for you based on your various qualifications, as well as the amount of the card!

2 After receiving the card, you can swipe the card for consumption first, and then pay it back within the time specified by the bank (no interest)!

a. If the full amount is not paid, you can pay the minimum payment, which is usually 10% of the amount owed. Please refer to the card-issuing bank for details! There is interest on this, usually 0.05%!

b. If you do not repay the loan after the due date, or the minimum repayment amount is not met, your personal credit record will be affected!

3 If you spend a lot and repay on time, the bank will appropriately increase your credit card limit, list you as a quality customer, and recommend some other products to you!

4 In the final analysis, credit cards are also a way for banks to accumulate customers, and driving the development of banking business is the most important thing!

5 Customers just need to learn to use their cards rationally! According to your own consumption level, you can control your credit card consumption!

Credit cards are not a bad thing, the key depends on how you use them! Be careful not to swipe cards and cash out maliciously, as it will not do you any long-term good! Credit card does not matter the limit or quantity, just enough for your own use!