Credit cards are basically non-interest income from deposits, and there are handling fees for withdrawals, as well as whether to withdraw their own pre-existing money or overdraw the money borrowed from the bank. If you save the money and use it directly, you have to pay a 3% handling fee to get it back, starting from 30 yuan. So there is no need to use a credit card without overdraft. The annual fee for the main credit card of CITIC Bank is 100 yuan, and it is free to swipe the card five times during the year.