consumption pattern: download a wallet and deposit it in the account of Lifetime Bao, and the Huayang card will have a limit. You can withdraw cash or swipe your card. Can't be used to recharge the third-party payment platform (because of the credit card)
Reward mode: there will be a certain percentage of rewards for spending in the merchants in the wallet, probably between RMB and RMB. If you don't consume the accumulated expected annualized expected income on the third day after deposit. Just like Yu 'ebao.
billing information: it will be sent to you every month just like a credit card. But there will be no repayment, overdue, interest and late fees. Because it is originally a savings card, it is just a credit card type.
for example, I deposited 5 yuan in my wallet on October 2th, and whether you spend it or not within one month. This month will give you the expected annualized expected income according to 5. If you haven't deposited 5 yuan by November 2, there will be no expected annualized expected return of 5 yuan.
final reward: if you use it continuously for half a year and have a monthly consumption record, Huayang Card will apply for a reserve fund for you according to your record. These are the points I know. There is no handling fee for cash withdrawal nationwide. There is no annual fee.