Reliable, why not? Just take the card, swipe the card and use it in cash. Be careful not to use credit cards to withdraw money from ATMs unless absolutely necessary. The handling fee is high, the interest is high and there is no interest-free period. Credit cards are usually used in supermarkets, restaurants and places where you can swipe your card. After swiping the card, the repayment date is approaching. Remember to repay in full and on time. The repayment date is listed in the credit card regulations. If you can't pay in full, you can pay the minimum repayment amount or pay in installments. Don't pay it back, otherwise the credit will be affected, and there will be interest and late fees. The most important thing is not to get into the habit of overdraft consumption in advance. Once formed, it is difficult to quit. Becoming dependent and owing a lot of money will be very troublesome.

If you still don't understand, you can call the 24-hour customer service hotline on the back of the credit card for consultation.