generally speaking, credit cards are debit cards, and now there are integrated debit and credit cards in China. Credit means that you ask borrow money to spend, the bank, to lend you money when you spend by credit card. There is no money in this card, which is the main difference between debit card and credit card. Domestic credit cards are generally magnetic stripe cards, which are mainly consumed by signing or entering passwords. Now there are more and more places where credit cards can be used. The main function of credit card is micro-loan, but it has become a payment method in China, because the income sources of the two banks are different. Micro-loan collects the interest of the loan from the cardholder, while the credit card as a payment method does collect the commission from the merchant to make a profit. A few years ago, there were cases where merchants boycotted the use of credit cards because the commission was too high. What are the benefits of using a credit card? First of all, in China, it's a payment method. As I said, you don't need to take so much cash out, such as booking airline tickets, train tickets and hotels. You must bring your credit card when you travel, even if you use it at your own place of residence. It's very simple. You don't need to prepare so much change. You can swipe your card for almost anything. It's very convenient. You may say that debit cards have similar functions, so when it was first defined, credit cards were financial instruments for small loans, which is very common in the United States. Have you seen a person holding N cards in previous foreign TV dramas or movies? It looks like a cow. Actually, this guy is a loser. In fact, it can be done in China, because many banks are issuing new cards now, and the annual fee-free method of many credit cards is very simple, so you only need to swipe your card several times. Second, travel abroad, travel abroad If you don't have enough cash, you can pay by credit card. And now many credit cards are paid in foreign currency abroad, and it is ok to return them to RMB when you return home. Third, all kinds of credit card activities, points activities, preferential activities, group buying activities, and so on. 4. Advanced credit card is a symbol of status. Now there are many advanced cards, such as unlimited card, masonry card, platinum supreme card and so on. The American Express card is famous abroad. Black cards of American Express are top customers. Last time I saw a news, a rich man from Taiwan Province took a cruise to Egypt for a holiday during the Lunar New Year this year, but he was caught in a riot. He immediately offered assistance to American Express, paid 3 million yuan by credit card, and was arranged to return to Taiwan Province safely by private plane within one day. There is also the most classic case of black card in the world, which is the natural work of a Hong Kong cardholder's daughter. Originally, she only studied a handful of sand in Repulse Bay in Hong Kong, but the cardholder accidentally found that the texture of sand in the Dead Sea in West Asia was the same as that in Repulse Bay. He asked American Express to send someone to take samples from the Dead Sea and collect the sand back to Hong Kong. Her daughter compared the texture of the sand in Repulse Bay with the sand from the Dead Sea, causing a sensation throughout the school. Do you feel bored? Ha ha ha. I hope you will like my answer when others add the rest.