Hello, savings card and credit card are different types of cards (debit card and credit card). Savings card is to deposit first and then consume, credit card is mainly to consume first and then repay, and use bank funds to consume in advance.

(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center)