General purpose of Shanghai Pudong Development Bank credit card:

There is a charge for unprofitable withdrawals from deposits.

There is no interest on credit card deposits, but there is a charge for withdrawals. Not only do you have to pay for overdraft withdrawal, but you also have to pay for the overpayment. The handling fee ranges from 1% to 3% of the withdrawal amount. Overdraft consumption is not equal to overdraft cash withdrawal. Not only does overdraft withdrawal have no interest, but it will also generate five ten thousandths of daily interest. If you have a lot of money on hand, don't deposit it in a credit card, because the bank will charge you a withdrawal fee when you want to withdraw it, and the interest is much higher than buying things directly with a credit card.

Note: You can use a credit card, but don't just use it as a debit card to withdraw money. The money in the debit card is your own money, which you deposited in the bank, while the money in the credit card is not your money at all, but the money in the bank.