Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Do I have to deduct money if I don't use a credit card?

Generally, there is no charge for not using credit cards, but it should be noted that using credit cards will generate annual fees. Most credit cards can deduct the annual fee according to the number of swipes. If the user does not use a credit card, the annual fee cannot be waived. If the user forgets the annual credit card fee and fails to repay it in time after it is generated, it will be overdue.