A China Merchants Bank card featuring RO art.

A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services, based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other charges that are agreed upon. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

In July of 2017, Heartbeat Network collaborated with China Merchants Bank to release a special Ragnarok Mobile: Eternal Guardians of Love credit card that players can use to earn points towards the game.[1] Those who apply for the card will also have access to special items that they can redeem in the game.[2]