Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can repay it on the account date. You can think of this as the same model as a flower shop, that is, a way for you to spend money first and then repay it.

Managing money with a bank card means taking the money in the bank card to buy wealth management products. The term of this wealth management product depends on when you need to use the money to do what you want. Credit card financing: you can use a credit card to spend money and then use a bank card to pay back the money. This is also a mode of operation, or you can use your credit card to directly buy some goods with shorter repayment period than your credit card. I usually use the latter method. I have been in the national foreign trade for 30 days, 1.2%, and will come back on time when it expires. It's not bad to make a small profit after paying off the credit card.