1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. Lawyer Chang Sha of Kyoto Law Firm introduced that Article 7 of the real-name registration system Regulations on Personal Deposit Accounts stipulates that if a personal deposit account is opened in a financial institution, the financial institution shall require it to show its identity document, check it, and register its name and number on the identity document. When an agent opens a personal deposit account in a financial institution, the financial institution shall require him to show the identity documents of the principal and the agent for checking, and register his name and number on the identity documents of the principal and the agent. Financial institutions are not allowed to open personal deposit accounts for people who do not show their identity documents or use their names falsely. At the same time, Article 9 stipulates that if a financial institution violates Article 7 of these Provisions, it shall be given a warning by the People's Bank of China, and a fine ranging from 1000 yuan to 5,000 yuan may be imposed; If the circumstances are serious, it may also be ordered to suspend business for rectification, and the directly responsible person in charge and other directly responsible personnel shall be given disciplinary sanctions according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.