Credit card is a special carrier card issued by commercial banks to individuals and units, which is used to buy goods from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuer, 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 only refers to the debit card.

As a payment tool, bank cards can be divided into three types according to their nature: debit cards, quasi-credit cards and credit cards. Among them, the debit card cannot be overdrawn, and only the amount of the corresponding account can be used. Quasi-credit card is a credit card with China characteristics. In the case of imperfect social credit information system, they often need guarantees or deposits to overdraw their consumption conditionally and limitedly. At present, it is gradually withdrawing from the financial field, and credit cards are real credit cards, and quasi-credit cards are the largest.

Credit cards are divided into corporate cards and personal cards according to users; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the currency, it can be divided into RMB card, international card or dual-currency card with both functions.