(China Merchants Bank) Credit card mainly allows you to consume first and repay later. You can use the bank’s funds to consume in advance and enjoy the interest-free period. This is a financial management method. Credit cards can be used as payment tools and can be consumed directly through the card-swiping POS machines or online payment platforms installed by merchants. Banks will also provide you with various forms of points, discounts, installments, draws, promotions and other activities. Credit cards are still the main international payment tool. You can shop overseas and on international websites conveniently. If you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.