Inter-bank consumption means that credit card holders use their credit cards to withdraw cash through ATMs of other banks, or conduct inter-bank transfer through online banking. In addition, merchants who use credit cards for shopping do not use the pos machines of the same bank.

Credit card cross-bank consumption has no effect on consumers. Inter-bank consumption means that the pos machines and credit cards used by cardholders are not from the same bank, so inter-bank consumption will be displayed. After inter-bank consumption, the bank will deduct 1% of the merchant's credit card amount, and some banks will not charge any fees. For example, China Merchants Bank's credit card consumption is no different from other banks.

Under normal circumstances, credit cards are swiped across banks with pos machines, and cardholders do not need to pay extra, and the expenses will be borne by merchants. If the cardholder uses a credit card to withdraw cash or transfer money, the local inter-bank withdrawal fee is 2 yuan per transaction, and the inter-bank withdrawal fee in different places is generally 1% of the amount, plus the inter-bank withdrawal fee in 2 yuan.

Cardholders can also check the specific consumption content with the bank credit card customer service, or apply for a purchase order. If the cardholder's credit card has cross-bank consumption in different places, it is necessary to contact the bank credit card service center in time, and the cardholder's credit card may be stolen.