Legal analysis: It is some activities of bank credit cards. Banks will also provide you with various forms of points, discounts, installments, draws, promotions and other activities. Credit cards are still the main international payment tool. You can conveniently shop overseas and on international websites. If you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.

Legal basis: "People's Republic of China and Civil Code"

Article 577 If one party fails to perform its contractual obligations or performs its contractual obligations inconsistently with the agreement, it shall bear the liability. Continue to perform, take remedial measures or compensate for losses and other breach of contract obligations.

Article 578: If one party expressly states or shows by its own behavior that it will not perform its contractual obligations, the other party may request it to bear liability for breach of contract before the expiration of the performance period.