1, overdraft consumption. Credit cards have a certain overdraft limit, within which cardholders can spend first and then repay, and there is an interest-free period;

2. Cash withdrawal by quota. Credit cards can be withdrawn at ATM machines and bank counters, and the withdrawal amount is generally half of the credit card amount;

3. Repayment by installment. You can apply for bill installment after spending by credit card, or you can apply for installment payment when spending;

4. Increase personal credit. After spending with a credit card, a consumption record will be generated in your credit report. If the cardholder is not overdue, it will be helpful for future loans and credit cards.