All-in-one card is a bank card. You must first deposit into the account before you can use the card for consumption, cash withdrawal, etc. There is a card management fee, 1/yuan per month, for deposits of more than 10,000 or binding credit card repayments, etc. There is no need to pay management fees. \x0d\Credit cards are also overdraft cards, which means you don’t need to deposit money first when making purchases or cash withdrawals, you can make purchases directly. Credit cards mean that the card holder has a credit problem between banks. Credit cards can be used for purchases abroad. But one card is not enough; credit cards have high annual fees, but now they can be reduced or reduced by using points on consumption or the number of times the card is swiped (this is different according to the regulations of each bank)\x0d\ Conditions for credit card application You need ID card, work permit, salary sheet, assets and other relevant certificates, all of which are indispensable, before you can apply for a credit card; but the all-in-one card only requires your own ID card, it can be used at the time of application, and it is very convenient; One-card cards have no expiration date, but credit cards can generally only be used for 3 to 10 years before they must be replaced with new ones. Credit card purchases have points, which can be redeemed for physical goods on bank-related pages. One-card cards do not have consumption points. When applying for a card, It depends on your personal situation\x0d\Credit cards will have a settlement date and a repayment date every month. The settlement date means the total amount of your consumption this month, letting you know how much expenses your consumption has incurred; the repayment date is generally Within 10-25 days of the settlement date (bank repayments differ), on the repayment date you must pay off all the money you consumed before the settlement date or the minimum repayment amount, so as not to cause bad credit and damage to you personally. For troublesome matters such as legal matters, credit card consumption should be within your own ability. If you don't have money to repay, try not to overspend. \x0d\Any questions you can ask me