When you spend money in a merchant, part of your consumption will be transferred from the shopping mall to the bank, which is the counter point of the consumption charged by the bank to the merchant. This part is given by the merchants, and we don't have to pay the bill, which is also one of the sources of income for bank credit cards.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.