CCB's general credit card is swiped six times a year, and the overpayment (deposited money) is free of handling fee at CCB ATM. But most salary credit cards are free of annual fees, so it is best to ask CCB about the card type. In fact, credit cards also have their advantages, that is, there is a credit card, and there is no credit for debit cards. As for why you want to get a CCB credit card instead of an ordinary debit card, that's a matter between Starbucks finance department and bank marketing. You want to know, ask them.