Deduct the transaction amount, repayment amount, and direct consumption.

1. Deduction of transaction amount: When swiping a Bank of Communications credit card for consumption, the system will automatically deduct the corresponding amount. This means that if there is a credit card fee of 60 yuan, the system will automatically deduct the 60 yuan from the total amount when making a card payment.

2. Deduct the repayment amount: If you choose the credit card bill installment and meet the conditions for credit card credit, then the 60 yuan credit card credit can also be used to deduct the repayment amount.

3. Direct consumption: Similar to the principle of point redemption, you can directly use card swiping funds to consume, and the shortfall will be paid with the credit card limit. For example, if there is a consumption of 100 yuan, you can use 60 yuan of credit card credit, and the remaining 40 yuan will be paid using the credit card limit.