Marketing strategy. Buying a bicycle with a credit card is a marketing strategy, aiming at attracting more customers to buy credit cards. Banks or credit card companies cooperate with bicycle brands to launch such activities. When customers apply for a credit card and meet certain conditions, they can get a free or discounted bicycle as a reward. The main purpose is to stimulate consumers' willingness to apply for credit cards by providing in-kind rewards, so as to improve the circulation and utilization rate of credit cards.