China has issued about 200 million credit cards. The data shows that in the national market, over 84% of people use credit cards, 45% buy online, 42% in home appliance market and furniture city, 24% in mobile phone and telephone charges, and 0/2% in water and electricity charges. At the same time, 38% cardholders enjoy the convenience of installment payment. If you don't use credit cards in your life, more than 20% cardholders will spend less than 20%, and 32% choose to spend less than 20%.