use: payment and settlement, convenient for cardholders to carry out shopping and consumption activities; Remittance transfer: cardholders can transfer money in different places and abroad by remittance; Personal credit: cardholders can accumulate personal credit in financial institutions through credit cards; Credit sales: according to everyone's credit record and basic situation, there will be different credit card quotas, which can lead to consumption and expand the total social demand; Revolving credit: with the continuous extension of credit card use time, the credit degree of cardholders will continue to improve; Shopping consumption: cardholders can spend money at commercial institutions or outlets that authorize credit cards with their cards; Cash withdrawal: cash withdrawal is the auxiliary use of credit cards; Installment payment: accumulate credit through circulating credit to realize installment shopping; Microfinance: Cardholders can use microfinance.

1. the function of credit card: it facilitates people's life, saves the trouble of carrying cash, and there is no geographical restriction on the use of credit card. In China, no matter where you swipe your card, you can swipe it as long as you have the UnionPay logo, and there is no handling fee; Be able to participate in various preferential discount activities of merchants and banks; Credit card points can be exchanged for gifts; Repay in time after swiping the card, and the reputation of personal bank is improved. The consumption function of shopping consumption is used to buy goods. When the cost of goods and services paid by the cardholder in the process of shopping and consumption exceeds the balance of his credit card account, the issuing bank allows the cardholder to make short-term overdraft within the prescribed limit. In essence, this is consumer credit provided by banks issuing credit cards to customers.

2. Transfer settlement Transfer settlement, also known as "non-cash settlement" and "transfer settlement", refers to the receipt and payment of funds in currency transactions between companies. It is not settled in cash, but transferred from the payer's account to the payee's account through the bank. It is mainly used for the receipt and payment of goods trading, labor supply and capital transfer between enterprises. Transfer settlement is a form of monetary settlement. It can be divided into urban settlements and non-local settlements. Its characteristics are: based on bank credit, with deposit account as the condition, using bank credit income and expenditure instead of cash flow. Savings is a kind of savings activity in which urban and rural residents deposit temporarily unused or surplus monetary income into banks or other financial institutions. Also known as savings deposit. Savings deposits are an important source of funds for credit institutions. To deposit money or things that are not used for the time being in a bank.

3. Microfinance is not only a part of the financial industry, but also a development tool. Microfinance includes financial services and social services. It meets the financial and social needs of families and enterprises that have never or rarely received formal financial services. Therefore, the main target customers of microfinance institutions are low-and middle-income families and micro-enterprises. Installment payment is mostly used in product transactions with long production cycle and high cost. Such as exporting complete sets of equipment, large vehicles and heavy machinery and equipment. The method of installment payment is that after the import and export contract is signed, the importer will first pay a small part of the deposit paid by the exporting country.