For a credit card with normal card-free status, it means that the credit card account is normally activated, but there is no physical card. A master card refers to the holder or main user of a credit card account. The master card is usually associated with an account and can be used for online or offline consumption without a physical card.

In general, credit card holders can manage their credit card accounts through online banking or mobile banking applications, including checking account balance, repayment and transaction details. The cardholder can use the card number and security verification information of the credit card account to make online payment or swipe the card in the physical store.

If you have Huaxia Credit Card and the main card is in a normal card-free state, you can use online banking or mobile banking applications for account management and payment operations without actually using the credit card. Please note that the specific operation steps and functions may be different for different types of banks and credit cards. I suggest you contact Huaxia Bank Customer Service for accurate information.