A

Test question analysis: Credit cards can integrate deposits, withdrawals, consumption, settlement, and inquiries, which can reduce the use of cash and simplify collection procedures. , facilitates shopping and consumption, enhances consumption safety, and brings many conveniences to cardholders. Statement A is correct; statement B "arbitrary overdraft" is incorrect, and overdraft must be within the credit card limit; statement C requires the submission of corresponding materials when applying for a credit card, and the statement option statement is incorrect; using a credit card can be consumed at consumption venues designated by the card-issuing bank, statement D is incorrect.