1. Credit card is an electronic currency that can replace traditional cash circulation in a certain range; 2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards; 3. Credit card is a high-tech product integrating financial business and computer technology. 4. Credit cards can reduce the use of cash and currency; 5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security; 6. Credit cards can simplify collection procedures and save social labor; 7. Credit cards can promote commodity sales and stimulate social demand.