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    About Credit Cards
     
    Credit card is an electronic payment card issued by banks and non-banking credit card issuers with no guarantee or cash deposit. Bearing signs of card payment organizations such as Unionpay, Visa, MasterCard and American Express, credit card allow holders to pay for goods and services at a wide range of stores and service providers in different cities.
    Credit card issuers provide credit card holders with a revolving account and a line of credit. Credit cards generally provide a grace period, during which no interest is incurred if customers fully pay the balance. If customers fail to pay the balance in full, credit issuers charge interest on the unpaid balance. If customers use credit cards to withdraw cash, interest is incurred based on the borrowing date.
    Note:
    All the contents stated above are for your reference only. Please consult the local branch of China Merchants Bank for further information. China Merchants Bank reserves the ultimate right of interpretation for the contents in this page.
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