If it is a savings card of China Merchants Bank, you need to deposit it before using it. There is no overdraft and cash advance function, and the account number is the card number. It is a multi-currency card with fixed demand, and has the functions of ATM deposit and withdrawal, credit card consumption, payment transfer and online payment. It is a card with comprehensive financial management function.

Take China Merchants Bank's credit card as an example. Credit cards are different from savings cards. They can be repaid after spending within the credit card limit, and there is an interest-free period. It supports POS card swiping and online payment, and has the functions of bill installment and cash advance.

Tips: If it is a personal bank card of China Merchants Bank, please check the customer service phone number (24-hour hotline) on the back of the card. 95555 is a card (debit card/savings card); 4008205555 shows a credit card (debit card/overdraft card).

(Response time: June 2020, 5438+1October 10. Please refer to the latest business changes announced by China Merchants Bank in official website. )