Please tell me what documents are required to apply for a credit card and how to charge credit cards.

First of all, you need to provide proof of identity (domestic resident ID card, household registration book, homecoming permit, military ID, passport and other identity documents accepted by banks), work certificate (usually stamped by the personnel department of the unit) Original work certification document with official seal), income certificate (generally the original work certification document with the official seal of the unit's financial department. If the salary is distributed by a bank, you can directly provide the bank account number or provide a designated copy of the statement or passbook as required by the bank)

No one of the three types of certificates can be missing, and the originals must be brought with you.

There is also the annual fee issue you mentioned. Take China Merchants Bank as an example. The annual fee for the first year of opening a China Merchants Bank card is waived, and then you can waive the annual fee for the next year if you make three purchases in a year. Of course, each bank’s annual fee exemption issues are different.

There are other deduction issues. The general repayment time for credit card consumption is 30 days, and the longest is 50 days. Interest will be calculated after the number of days exceeds, and the interest will be 0.5%. But if you use a credit card to overdraft and withdraw cash, the interest settlement will start from the next day, which is also 0.5%.