If the credit card (debit card) of China Merchants Bank for college students has a limit of zero, you can only deposit money first and then use it. Undergraduate and graduate students will have a certain limit when applying. If you have a credit limit, you can directly overdraw for consumption without having to deposit cash in a credit card (debit card). And even if the initial quota is zero, you can still receive the quota by completing tasks later.

Therefore, only when the limit is zero and no limit has been received, you will need to deposit money first and then consume. However, if you use it this way, you can still enjoy the benefits of credit card (debit card) and accumulated points. .