Hello, I am also using a credit card myself. Credit cards mainly have the following functions:

1. Overdraft credit function. Cardholders can overdraft, withdraw cash, and use funds within the limit allowed by the card-issuing bank, and overdraft interest will be charged at the same time.

2. Collection and payment function. Cardholders can handle services such as salary payment, phone bill collection, and Jitong Internet access for specific units that have signed a contract with the bank.

Precisely because credit cards have the above functions, credit cards play a high role in people’s lives. If you have any questions, you can continue to consult me! ! ! I hope my answer can help you better understand credit cards. . .