Consumption can be deducted from the transaction amount, bill installments can be deducted from the repayment amount, and used directly for product purchases, etc.

1. Consumption deduction transaction amount: After cardholders use Bank of Communications credit cards to swipe their cards, they will receive a certain proportion of cash back or points and other feedback. These feedbacks can be regarded as "card swiping funds". The next time you use your credit card to make a purchase, you can use the system to automatically write off the amount of the "white slip" for your company's bank name ("China Merchants Bank") to reduce or reduce the corresponding payment limit.

2. Deduct the repayment amount from the bill installment: If you choose the credit card bill installment service and meet the conditions, you can average the bill for part or all of the arrears. On this basis, the interest will also be based on the current Based on the market interest rate calculation, within the sliding window (approximately three months), users will also receive more preferential measures. If you have enough disposable assets to pay off your liabilities in advance, you can choose to settle the remaining debts in advance; otherwise, you need to pay the prescribed minimum repayment amount based on the actual situation each month to avoid overdue penalties and impact on your credit record.

3. Directly used to purchase goods: Similar to point redemption, card swiping funds can also be directly used for shopping. If the user wants to use all the credit card at one time, they must choose to use the "full deduction" option when shopping; otherwise, when paying, they will be prompted whether to convert part of the balance into a credit limit for payment.