The most basic function of a credit card is a payment tool. Cardholders can pay by credit card when shopping in merchants, which eliminates the trouble of carrying cash. In addition, online shopping can use credit cards, which is convenient, fast, safe and reliable. Many credit cards also provide international credit card functions, which can be used by cardholders in foreign businesses to avoid a series of troublesome operations such as cross-border remittance and exchange of foreign exchange.

Another important function of credit card is credit lending. Cardholders can spend in advance through credit cards, and banks provide them with certain loans in the form of credit lines. After consumption, the cardholder needs to repay the principal and interest of the loan owed to the bank before the stipulated repayment date, otherwise, a high late fee and penalty interest will be incurred. At the same time, the cardholder's credit history will also be affected, so it is necessary to be cautious when using credit loans.

Many credit cards also offer a series of discounts. These benefits include coupons, points, cash back and other privileges. Cardholders can get corresponding discounts when spending, which can reduce the consumption cost and improve the quality of life. Some credit cards have specially designed preferential policies for different consumption scenarios, such as professional credit cards such as golf cards and airline cards. Cardholders can enjoy more targeted benefits through these specially designed credit cards.