D

Test question analysis: Using a credit card can simplify payment procedures, save transaction costs, enhance consumer safety, and facilitate shopping and consumption. A bank credit card is a credit certificate issued by a commercial bank to customers with good credit status. It is issued by banks to people with high credit scores, and not just anyone can apply. Therefore item 3 is wrong. Choose option D for this question.

Comment: Credit card is a subject that is often tested in recent exams, and it needs to be fully understood from several perspectives such as its meaning and reasons. This question is relatively simple.