As long as you have a card, if it is a credit card, you can spend it first, then repay it, and enjoy an interest-free repayment period. You can also withdraw cash for emergencies, participate in the marketing activities of CCB, and apply for various installment payment services. You can also accumulate consumption points after usual consumption. When you take a driver's license test, you just apply in different ways. Some people apply at CCB outlets, some people apply online for CCB credit cards, and some people apply for CCB credit cards directly when they buy a car and apply for car installment payment at 4S shop. These are just different application methods. All the cards are used for the same purpose.