Advantages of credit card:
1. Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.
2. You can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest. Most banks will charge .5% interest on the day of cash withdrawal, and there is also a 2% handling fee. ICBC is exempt from handling fees and only charges interest.
3. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
4. Special merchants who hold cards in banks can enjoy discounts.
5. Accumulate personal credit, and add credit records in its credit files.
6. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
7. Credit card spending, taking existing points from some credit cards, various discounts and lottery activities throughout the year, as long as you use the card, you can always be surprised. Most credit cards pay online without points, but online shopping payment is very convenient and fast.