1. A credit card is a card that can be overdrawn. You can make purchases in advance and pay the money back when it is due. Failure to repay on time will have an impact on your personal credit score.

2. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.