It's good to get a credit card. You can get points with a brush, and the points can be exchanged for gifts. But I think the key is to choose the right bank credit card. At present, some credit cards charge an annual fee, some are free in the first year, and then the annual fee for the next year is waived if you swipe your card more than six times in the first year. Some charge an annual fee as soon as they start. It is also very useful if you often swipe your card when shopping.
Bank cards (UnionPay cards) are divided into credit cards and debit cards, and credit cards are divided into credit cards and quasi-credit cards. Debit card is an ordinary savings card, which belongs to current deposit account and can be used for consumption, ATM deposit and withdrawal, etc. Credit cards can be used for spending, ATM deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).
Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.