C

Test question analysis: Transfer check is a credit instrument used for transfer settlement and cannot be used directly when purchasing goods, so A; transfer check is excluded If it does not belong to electronic money, B is excluded; credit cards can be divided into bank cards and non-bank cards according to the credit card issuer. Bank credit cards are accepted by banks and other financial institutions, while non-bank cards are not, so D is excluded. Credit cards and transfer checks are both tools that can be used in transfer settlement, so C is correct. The answer to this question is C.