The only brand of China Merchants Bank, the flower card, has the same function as the credit card. It can only be used for consumption and cannot be withdrawn. It is illegal to cash out. In the user rules of China Merchants Bank co-branded cards, users are prohibited from cashing in with unique products. If the circumstances are serious, not only will the only product be sealed, but it may also be uploaded to the credit information system, which will directly affect personal credit photos.