1. A credit card is a credit card, which means you consume first and then pay back. The all-in-one card is a debit card, which means you deposit money first and then spend;

2. The basic functions of a credit card are generally the same. are the same, for example, you can consume first and repay later; use the cash advance function; choose the minimum repayment business; shop online; shop in installments, etc. If you have no special requirements for credit card consumption, you can apply for any one.

3. The professional version of our bank’s online banking requires the card owner to bring the card and ID card to the branch to apply for it. After the application is completed, the credit card can be linked to the professional version.

If you have other questions, please open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.