Hello, the credit card is a debit card. If you are using a China Merchants Bank credit card: 1. Credit cards are mainly about consumption first and repayment later. You can use bank funds to consume in advance and enjoy the interest-free period. This is a way of financial management. 2. A credit card is not a savings card, and interest will not be charged on deposits in the credit card. 3. Credit card can be used as a payment tool and can be consumed directly through the card-swiping POS machine or online payment platform installed by the merchant. 4. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities. 5. Credit cards are still the main international payment tool. On international websites, you only need to fill in your personal credit card information to make purchases directly. And if you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.