The personal account is the account corresponding to this credit card.

Credit cards have an expiration date. After the expiration date, the credit card will be invalid and the bank will issue a new card in advance.

But the account will not expire. No matter how many cards are changed in this account, the balance in it will be directly excessive.

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An inappropriate analogy is that a QQ account can be used to log in to QQ or directly to WeChat. There is a QQ nickname in QQ, and there is another nickname in WeChat. Although they are two nicknames, the chat content and friends are not necessarily the same group of people, but they are the same account.