CITIC Credit Card Bonus can be directly consumed by the user's credit card, but it cannot be used for cash withdrawal, transfer or payment for others. Therefore, when the user swipes the card, as long as the consumption amount reaches the standard of using the bonus, the system will automatically deduct the bonus, and then the system will deduct the credit card amount to complete the payment. Therefore, for users, the bonus of CITIC Bank will be used automatically, and users must find additional ways to use the bonus. Of course, the bonus is limited and must be used within the validity period.