Different from ordinary debit cards, credit cards are special carrier cards issued by commercial banks to individuals and units for shopping, consumption and cash withdrawal from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank. Credit card is a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card is a credit card that deposits a certain amount of reserve money according to the requirements of the issuing bank. The credit card we are talking about now generally only refers to the debit card.

The most popular saying is that when your shopping demand exceeds your ability to pay, you can borrow money from the bank. A credit card is a certificate that the bank promises to lend you money according to your credit status. Your credit card will remind you how much money you can borrow from the bank and when to pay it back. Credit cards will also record your personal data and consumption details, thus providing you with all-round financial services.