Payment transactions and repayments.

1. Payment transaction. The credit limit approved by Weihai Blue Ocean Bank will be transferred to the bank card. Cardholders can go to merchants with the UnionPay logo for swiping purchases. During the transaction, they need to press the credit card payment password. After the transaction is completed, the cardholder needs to sign. In addition to swiping the card for consumption, , cardholders can also bind their credit cards to payment platforms such as Alipay and WeChat to conduct online or offline transactions.

2. Repayment. There is a certain credit limit in the credit card. After the cardholder uses the credit card to make transactions, the previous consumption amount will be summarized on the monthly statement date. The cardholder needs to repay on the repayment date, and can choose to repay in installments. There are three repayment methods: minimum repayment and full repayment. In addition to full repayment, the other two methods require the payment of a certain amount of interest. Once the repayment is not repaid on the repayment date and the payment is overdue, overdue handling fees will be incurred. And it will have an impact on the cardholder's personal credit score.