As far as I know, there is no harm. Taobao Card is an online purchase card jointly issued by Alibaba and China Postal Savings Bank, which is equivalent to the transfer platform between Alipay and bank card, and has the basic functions of Alipay and UnionPay card. Benefits: 1 Easily buy happiness in installments and take it home. If you spend more than RMB 1000 at any merchant, you can call the 24-hour customer service hotline of BOC Credit Card to apply for installment payment. Unlimited location, unlimited merchants, easy to experience the fun of staging. 2. Credit financing has a cycle, which allows you to spend first and then repay. The longest interest-free repayment period is 50 days, which makes your financial management more flexible and convenient. 3. Password and signature are more secure. You can use "signature" or "password plus signature" for credit card consumption, which makes you safer and our service more intimate. Note: If "password+signature" verification is selected, overseas merchants usually cannot provide the function of entering passwords, so they will use "signature" to swipe their cards for consumption. 4. The instant messaging account of Linxi China Bank provides thoughtful short message service for the cardholders of China Bank Taobao Credit Card. The contents include real-time transaction notification, automatic repayment result prompt, suspicious transaction confirmation, etc. , to ensure that you have a heart-to-heart relationship with your account, so that you can enjoy credit and sit back and relax, and the preferential activities are rich in information, so that you can know the shopping information like the back of your hand. 5. Repayment is easier and consumption is more comfortable. Bank of China offers a variety of repayment methods for you to choose from: online bank repayment, branch counter repayment, self-service equipment repayment and automatic transfer repayment. 6. Risk-free and worry-free report. If your Bank of China Taobao credit card is accidentally lost, you only need to call the 24-hour customer service hotline 40066-95566/(010) 6608566 to complete the loss reporting procedure without bearing the loss. 7. If you successfully apply for daily annual fee waiver of BOC, you can directly waive the annual fee for the first year. If you swipe your card five times a year without any amount, you can easily waive the annual fee of this card for the next year, so that you can swipe it every day and waive it every year. Online payment is not included in the annual transaction statistics free of charge. 8. Preferential merchant network discount Every day, Bank of China cooperates with many high-quality merchants at home and abroad to build a comprehensive preferential merchant network of Bank of China for you. All kinds of restaurants, shopping and fitness discount stores are waiting for you. You can visit the website of Bank of China or call the 24-hour customer hotline to search for preferential merchant information. 9. The amount of supplementary card application is up to you. China Bank will provide more flexible supplementary card services. You can apply for supplementary cards for designated immediate family members and freely specify their credit limits. Supplementary cards can also enjoy independent statement service (this is what I found, I hope it will help you).