The first cheque was widely used in North America from 1659 to 184, and UnionPay was founded in 1871. At that time, the dinner club was established in English to make it easier for its members to pay when they finished eating in restaurants. At first, 2 cheques were issued, which were accepted by 16 restaurants and restaurants. A year later, more than 1, paid cheques were accepted.

Credit cards were first produced in American businesses and restaurants. In 1915, in order to expand sales, attract business and facilitate customers, some shops and restaurants in the United States adopted a "credit chip", which was similar in shape to a metal badge and later evolved into a card made of plastic as a voucher for customers' shopping consumption. This is the earliest credit card sprout in the world.

in the late 197s, China's foreign economic and cultural exchanges were expanding day by day. In this context, many people bring credit card, a popular payment method abroad, to China. In order to meet the needs of reform and opening up, some domestic banks began to set foot in credit card business. In 1978, Bank of China Guangzhou Branch first signed an agreement with Bank of East Asia, and began to act as an agent for overseas banks' credit card business.

The purpose of a cheque is to entrust a bank or other financial institution that handles deposit business to unconditionally pay a certain amount to the payee or holder when seeing the cheque.