Generally speaking, holiday products and overseas hotels are prepaid. As far as I know, Ctrip is not qualified to have online payment platform business at present, which means he can't use ordinary bank cards. So he can only pay by credit card.

At the same time, because he doesn't have an online payment platform, when you click "agree to pay", you actually only give Ctrip an authorization, and he will inform the bank to debit your credit card instead of directly deducting your money. So your credit card doesn't need to open online banking.

Last question, you can use any credit card, don't worry. Only if you use Ctrip's co-branded card, you will get extra points. Sometimes if you get more points, you can change to a free room for one night, but it is of little use.