The greatest value of a credit card is that it can "consume first, then repay", that is, within the credit limit given by the bank, the credit card can be used for consumption without money.

Although there is no money in the credit card, you can spend it by credit card, but it is best for the cardholder to repay it within the specified time, which can be interest-free and guarantee his credit history. If the credit card cannot be repaid in time before the due repayment date, the bank will charge the cardholder credit card interest, and the daily interest will be compounded monthly.