operating environment: iphone12ios14.7 mobile banking: 5.6.
1. Bank of Communications (BCM) was founded in 198. it is one of the six largest banks in China, one of the oldest banks in China and one of the note-issuing banks in modern China. On April 1st, 1987, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 25 and successfully listed on the Shanghai Stock Exchange in May 27. Bank of Communications is one of the major financial service providers in China, and its business scope covers commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services.
2. A credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
3. Advantages of credit card:
(1) It is very convenient and quick to use: if there is a "VISA" or "MasterCard" logo on the credit card, you can directly swipe your card abroad, and the savings card or cash must be exchanged first; In addition, it is also very convenient to book airline tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have a "pre-authorization" function in addition to direct swiping; Also, there is no embarrassment of no change;
(2) Saving money: Many banks' credit cards have cooperation or promotion with merchants, for example, there is a discount of returning cash when the credit card is swiped, and there is a discount of 2% or 5% for watching a movie or eating western food.
(3) Cleanliness: With a large cash flow, you can imagine the bacteria on the coins, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.