Businesses that spend reasonably at a reasonable time, such as dinner on weekdays; Simple entertainment after work; Shopping consumption on weekends; Holiday business travel consumption, as far as possible from 9 am to 9 pm, belongs to normal consumption.

Credit card integrates deposit, withdrawal, loan, consumption, settlement and inquiry, which is convenient and safe to use. Users who go out shopping can pay more deposits than themselves without carrying a lot of cash. For the payee, it can save a lot of labor for receiving, counting, keeping and escorting cash; For banks, issuing credit cards not only saves a lot of labor in printing, issuing, receiving and paying, counting and keeping cash, but also charges a certain handling fee to the party using credit cards. When the cardholder overdraws, the bank can charge higher interest as a loan.