(China Merchants Bank) can choose according to demand. Credit cards are mainly used to spend first and then repay, and bank funds are used to spend in advance and enjoy interest-free period. This is a financial management method. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you. Credit card is not a savings card, and the deposit in credit card will not pay interest. The debit card issued by China Merchants Bank is called "all-in-one card" (that is, a savings card, which requires deposit before use and has no overdraft function). It must be opened in real name (real name registration system) and has the functions of multi-currency and multi-deposit, ATM deposit and withdrawal, POS credit card consumption, transfer and remittance, online payment and so on. It is a card with comprehensive financial management function.