Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards, which can solve the temporary economic crisis. In many cases, it is only necessary to return the consumption amount on time.

Extended data:

Credit card advantages:

1, you can spend without overdraft and enjoy an interest-free period for a certain period;

2. Credit card consumption is safe and convenient, and credit card can also accumulate points;

3. You can enjoy the discount by swiping your card at the bank's special merchants;

4. Accumulate personal credit and form a good credit record;

5. National access is barrier-free, and cash withdrawal or consumption can be made at ATMs and POS machines with UnionPay logo.

Baidu encyclopedia-credit card