For ordinary bank savings cards, the main function of a credit card is overdraft consumption and repayment on schedule. Of course, in addition to this main function, various credit cards may also have some additional functions. Summary As follows:

1. You can use overdraft without deposit, and you can enjoy an interest-free period of 20-56 days. If you repay on time, you will not be charged any interest (most banks will charge 50,000 cents on the day of withdrawal). interest, and a handling fee of 2. ICBC cash withdrawals are free of handling fees and only charge interest);

2. Swiping the card when shopping is not only safe and convenient, but also provides points as gifts;

3. You can enjoy discounts when using the card at the bank's special merchants;

4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life;

5. Accessible across the country, you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption, and it is best not to withdraw cash. The handling fee for cash withdrawals is very high, which is not cost-effective)

6. Spend by swiping your card, collect existing points with some credit cards, and enjoy various discounts and lucky draws throughout the year, allowing you to always be surprised by just using your card. (Most credit card online payments do not have points, but online shopping payments are very convenient and fast);

7. Free monthly mailing of statements, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, you can Cancel paper statements and change to electronic statements)

8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures;

9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB;

10.400 phone number or a 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately, and lost cards are free of charge. Risk;

11. Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

12. Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders.