Credit cards originated in the United States in 1915. At the beginning, credit cards were not issued by banks, but made by some department stores, restaurants, automobile companies and oil companies in the United States. In these consumption places, consumers can use credit cards as a kind of consumption vouchers and credit chips, so that they can sell on credit and buy on credit. Introduction to credit cards

Credit cards can also be called debit cards. Credit cards circulating in the market are usually issued by commercial banks or specialized credit card companies. The credit card will be printed with the bank name, expiration date, credit card number, magnetic stripe and so on. Credit card is a non-cash transaction carrier. Users can overdraw a certain amount in advance when using credit cards for consumption. Credit cards can open a certain overdraft limit to complete advance consumption and advance payment. Users can spend money first and then complete the corresponding repayment operation within a certain credit card limit. Credit cards can be divided into two types: corporate cards and personal cards.