a netcom account is a personal bank settlement account provided by China merchants bank to customers without issuing physical cards or passbooks. A Netcom account is a comprehensive management account, which can bind a card and a credit card under its own name.

the disadvantage of this account is that you can't access the cash.

The advantage of this account is that you can log in to China Merchants Bank Popular Edition, Mobile Banking, Credit Card Pocket Life and other channels only with your login name and password, and manage the information of related cards, so it is more convenient to operate without logging in by means of card number and password.