The use of China Merchants Bank Business Credit Card is slightly different depending on the debtor. If the company assumes the debt, you need to sign an automatic repayment agreement and associate it with the company account when handling it. After your personal consumption, the company is responsible for repayment, and the reimbursement process is usually handled by the company's finance department. When used for personal use, its operation is similar to that of an ordinary credit card. It can be repaid manually, or it can be automatically associated with a personal card for repayment. The only significant difference is the annual fee. Commercial cards usually do not enjoy the annual fee-free policy, and the annual fee is usually borne by the company (please consult the company's finance for details). In addition, commercial cards cannot use the bill installment function. Installments can only be made directly at installment agreement merchants in physical stores, and installments cannot be applied after consumption. Basic functions such as points, cash withdrawal and card loss protection are the same as those of ordinary credit cards. In general, the use of commercial cards has limitations in some functions, but the basic operating procedures are similar to ordinary credit cards.