Credit cards are mainly for consumption and cannot be cashed out (cash can be withdrawn, but the handling fees and interest are very high). It is a loan first and repay later model. There are mainly Visa, Master, and UnionPay. For a check, you apply to the bank (part of the production fee may be charged, which is different for different banks and different levels of customers). The money is taken from your account and can be withdrawn, transferred, or paid.

Credit cards are mainly used to buy things. For example, if you buy an iPhone in the United States, just use the credit card to spend at his home. If you do business with others and you owe them some money, you can use it. Pay him a check, but merchants generally don't accept checks when buying things.