Never save money on a credit card! Before you apply for a credit card, you must first understand the purpose of the credit card. It is not a savings card. If you have a balance in your credit card, you will be charged a fee for withdrawing money. Its function is to let you borrow money from the bank and then give you a The repayment deadline is to pay the money back within the deadline. Credit cards are generally cost-effective to use for swiping purchases and settlements, because they do not incur handling fees and generally have an interest-free repayment period of forty to fifty days. But if you use a credit card to withdraw money from a bank or an ATM, it is very inappropriate. Interest will accrue from the moment you withdraw the money, and interest will compound every day in the future. It is free to apply for a credit card. After receiving the application, you need to open the card. There is an annual fee after opening the card, which is usually more than 200 points per year. However, banks now generally require that the card be swiped more than 6 times a year to waive the annual fee. So if you use it 6 times a year, you don’t have to worry about the annual fee. The procedures include general ID card, employment information, income status, family information, fixed asset information, etc. They have a fixed form format. If you want to apply, please consult the bank staff and it will be OK. After completing the form and submitting it, the bank will review the results in 30-45 days. If you pass, they will usually send it to you by registered mail.