There are precious metals such as gold and credit cards. It is not a credit currency. As long as it does not meet the definition conditions of credit currency, it does not belong to credit currency. Under normal circumstances, the currencies issued by all countries are credit currencies, which are issued on the basis of credit, not based on or linked to any metal. Credit currency is mandatory when used, it is just a symbol representing value.

The form of credit currency

1. Promissory note: Promissory note is a bill certificate issued by the debtor to the creditor with the nature of promised payment. Promissory note itself is a credit currency, which has no value in itself and is guaranteed by the debtor's credit. When the promissory note expires, the debtor must also pay unconditionally, and the promissory note can be discounted or endorsed before it expires;

2. Bank bill: Bank bill is a kind of bill issued with the bank's credit as guarantee;

3. Cheque: Cheque itself is also a form of credit currency, which can pay off debts on behalf of currency. The main function of checks is to help reduce the cost of currency circulation.