credit card functions: 1. Credit card mainly uses bank funds to spend in advance and enjoy interest-free period, which is a financial management method. 2. The credit card is not a savings card, and the interest will not be settled on the deposit in the credit card. 3. Credit cards can be used as payment tools, and can be directly consumed through the 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. 5. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you are on a business trip and staying in a hotel, only the credit card can complete the hotel pre-authorization for you. During the use of the credit card, overdraw reasonably according to personal repayment ability, repay on time according to the bill every month, and maintain a good credit record. If it is a CMB credit card, you can consult any information you want about CMB credit card service online through QQ or WeChat. Method 1: Search for 4825555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as friends; Method 2: Search for the number "cmb4825555" on WeChat and pay attention to China Merchants Bank Credit Card Center.