First of all, credit card arrears will not generate interest and bad records, but for those with relatively small amounts owed, it will affect credit records. If the amount owed is large and it is a malicious overdraft, the bank will report the case to the public security organ. And because of the bad record, it will also affect financial services such as mortgage and car loan.

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the standard of English translation and writing in the field of public service was formally implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

4. Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

Credit card is a special carrier card issued by commercial banks to individuals and units, which enables them to shop, consume and deposit and withdraw cash in banks. It is a card with the name, expiration date, number and cardholder's name printed on the front, and the magnetic stripe and signature printed on the back.