Hello, the bank card savings card is used for consumption after you deposit. Credit cards are returned first and then, and there is an interest-free period for a period of time. Moreover, credit cards will cooperate with some merchants, and there will be discounts when the cooperative merchants use the designated credit cards to swipe their cards. Credit cards can accumulate deposits by swiping cards at points merchants, and credit card deposits can be exchanged for credit card gifts.

Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. The length of the interest-free period depends on the time you spend. If your consumption is before the current bill date, it will be included in the current bill, and if it is after the bill date, it will be included in the next bill. For example, your billing date is the 5th, and the final repayment date is the 23rd. Your consumption before 65438+February 5 will be included in the bill of 65438+February 23, and you need to pay before 65438+February 23. If your consumption is after 65438+February 5th, then it will be charged to the bill of 65438+1October 5th. If your spending time is 65438+February 5, you can enjoy a 50-day interest-free period when you repay on June 23.

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Learn more about China Merchants Bank Credit Card.