Take ICBC credit card as an example:

1 first of all, you must find out whether the installment payment of credit card consumption is paid to the merchant in full overdraft.

2. There is no geographical restriction on swiping cards, as long as there is a POS machine with UnionPay logo, you can swipe your card;

3. You can swipe your card with a relative's credit card, which is equivalent to swiping your card with a relative;

4. You can call the bank customer service phone to apply for credit card adjustment. The review period is within one week, but the withdrawal amount will not exceed 50% of the original credit line, which means that the original credit line is 20,000 yuan, with a maximum of 30,000 yuan.

5. The next day, call the customer service hotline of the bank at 95588-2-2 to apply for installment. The handling fee rate of ICBC's installment payment is as follows: the third installment1.65%; 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; 24 issues 15.6%.