a credit card is a card that you spend first and then pay back.

when you have no money, you can spend shopping (within the credit limit) and withdraw cash directly from the ATM (within the withdrawal limit).

a credit card is a special carrier card with consumer credit, which is issued by a commercial bank to individuals and units, so as to make purchases, spend money and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. The credit card we are talking about now generally refers to a debit card only.

In layman's terms, credit card is a kind of micro-credit payment tool provided by banks to users, which is to consume first and then repay. That is, when your shopping needs exceed your ability to pay or you don't want to use cash, you can borrow money from the bank, which doesn't need to pay any interest and handling fees. A credit card is a certificate that the bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, you can withdraw cash directly from the ATM machine when there is no money in your credit card.