In China, private credit cards (also known as personal credit cards) usually come with a basic account. This is due to China’s financial regulatory policies and banking regulations. Here are some detailed instructions:

1. The relationship between personal credit cards and basic accounts: Personal credit cards are a banking product that allow cardholders to make purchases within a certain credit limit and choose to repay in full. Or pay in installments. The basic account is a basic financial account provided by the bank to individual customers for storing and managing personal funds.

2. Financial regulatory requirements: China’s financial regulatory agencies require personal credit cards to be bound to basic accounts in order to ensure that the source of credit card repayment funds is legal and effective. Binding a basic account can ensure that the credit card repayment funds come from the cardholder's own funds, preventing the credit card from being abused or being repaid by others.

3. Convenience of fund management: By binding a basic account, personal credit card repayment and consumption settlement will become more convenient. Cardholders can repay through the basic account, implement automatic repayment settings, or automatically deduct the credit card consumption amount from the basic account. This can reduce the tedious process of credit card repayment and ensure timely repayment.

4. Banking regulations: In China, most banks require personal credit cards to be bound to the cardholder’s basic account. This is part of the banking regulations and is mandatory during the credit card application and issuance process.

Please note that the above information is based on general understanding, and specific policies and regulations may vary among different banks and regions. If you have any questions about the specific provisions of personal credit cards and basic accounts, it is recommended that you consult the customer service department of the relevant bank or go to the bank consultation counter to obtain accurate information.