Credit card is a kind of card that can be used to spend first and then repay, and can enjoy interest-free period by using bank funds to spend in advance. Use of credit cards:

Overdraft consumption does not require deposits, and can enjoy an interest-free period of 20-56 days, and repay the principal and interest on time.

When shopping, swipe your card and give away points. Credit card spending, some credit cards get existing points, various discounts, and annual lottery activities.

Special merchants who hold cards in banks can enjoy preferential treatment.

National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.