Hello, 1. Credit cards are mainly used for consumption before repayment, and bank funds are used for consumption in advance and enjoy interest-free period. This is a financial management method. 2. Credit card is not a savings card, and the deposit in credit card will not settle interest. 3. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. 4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is the main international payment tool. On international websites, you can shop directly by filling in your personal credit card information. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.

Credit cards have a specified billing date and repayment date, and also have a repayment cycle. "Bookkeeping date" refers to the date when the card issuer collects the accumulated outstanding consumer transaction principal, cash withdrawal transaction principal, fees, etc. Calculate the interest and the amount payable by the cardholder. "Due repayment date" refers to the latest date when the cardholder should repay all the payable amount or the minimum repayment amount stipulated by the card issuer (the consumption amount can be repaid before the due repayment date, and the credit card can be returned before 24: 00 at the latest). For example, the 5th of each month is the bookkeeping date, the 23rd of each month is the repayment date, and the consumption from the 5th of last month to the 4th of this month is repaid on the 23rd of this month.

Credit card repayment also enjoys an interest-free period. Interest-free period refers to consumer transactions that can enjoy interest-free treatment, from the bank bookkeeping date to the due repayment date. The longest interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the longest interest-free repayment period shall not exceed the longest interest-free repayment period required by relevant laws and regulations (except cash advance).