The credit card of Mengcheng Yaodu Bank is legal. Because Mongolia Commercial Bank is a formal bank, there is no problem with credit cards processed at regular banks. Credit cards are also called credit cards. They are mainly used for overdraft consumption. After the user applies for a credit card, the bank will give you a certain limit. The user can make overdraft purchases within the limit. After overdraft, the credit card needs to be repaid, which is a kind of consumption first and then payment later. Method of repayment.