Credit cards can be overdrawn, characterized by spending first and then repaying. Cardholders often have the following advantages when using credit cards: 1. Credit cards don't need guarantees and mortgages. They can be used first and then returned. Cardholders can enjoy the interest-free period if they use the bank's funds to spend money by credit card, as long as they repay in full before the due repayment date. 2. Credit card has a powerful installment function, which can not only buy household appliances and cars in installments. China Merchants Bank Credit Card can also apply for cash installment, that is, apply for a large amount of cash and repay by installment. 3. Credit card consumption can accumulate points according to the rules, and cardholders can exchange points for various points as gifts. 4. Credit card discount merchants of China Merchants Bank are all over the country, and often hold various promotional activities such as discounts and sweepstakes. 5. International credit cards marked with VISA, MasterCard, JCB and American Express can be used for spending abroad or shopping on foreign websites. These are the benefits of credit cards. For more information, please use the official WeChat intelligent question and answer function of "China Merchants Bank Credit Card". WeChat pays attention to "China Merchants Bank Credit Card" and can be used.