In the case of China Merchants Bank credit card, 1. Credit card mainly uses the bank's funds to spend in advance and enjoy the interest-free period, which is a financial management method. 2. The credit card is not a savings card, and the interest will not be settled on the deposit in the credit card. 3. Credit cards can be used as payment tools, and can be directly consumed through the POS machines installed by merchants or online payment platforms. 4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. 5. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you are on a business trip and staying in a hotel, only the credit card can complete the hotel pre-authorization for you.