Basic concept and function of associated credit card

Associated credit card refers to the binding of one's bank card with a credit card, so that one can use the credit card for repayment when spending. The function of associated credit card is mainly to facilitate users' consumption, optimize the way of capital flow and improve the efficiency of capital utilization. For credit card users, linking credit cards also means that they can enjoy more preferential activities and points rebates. In addition, through the associated credit card, users can pay back on time more conveniently, thus effectively avoiding overdue fees and fines.

Precautions and risks of associated credit cards

Although associated credit cards can help users spend more conveniently, there are also some risks and precautions. First of all, users need to pay attention to ensure that the name, ID number and other information used by bank cards and credit cards are consistent when operating related credit cards. In addition, when spending, users should use credit cards carefully to avoid increasing repayment pressure due to excessive consumption. If users overdraw or fail to repay on time, they may face high fines and interest.

Associated credit cards are widely used in real life. For example, users can associate a bank savings card with a credit card, which is convenient for quick repayment during consumption. In addition, some merchants or service providers will also carry out related credit card preferential activities. For example, when shopping on major e-commerce platforms, they choose to use related credit cards for payment, and they can also enjoy corresponding preferential activities and points feedback. In a word, associated credit cards can greatly improve the user's consumption experience and convenience, but we need to pay attention to the risks and precautions when using them.