1, credit function, credit card only users have repayment ability, then you can spend first and then repay.

2. Installment payment function: users can use credit card to pay by installment when making large purchases. After the bank pays the consumption funds in one lump sum, the user will repay the money to the bank in installments.

3. Settlement function: users can use credit cards to settle funds.

4, cash withdrawal function, the funds in the credit card can be withdrawn, users can withdraw cash as long as they use ATM.

5. Credit voucher function: Credit cards will record users' information in the national personal credit information system, and cardholders can increase intangible assets such as credit through continuous accumulation.