A credit card is a credit certificate issued by a bank to eligible consumers. Users can use this card to shop at special merchants, and then the bank will settle accounts with merchants and cardholders.

Credit card is a kind of credit card, which can be repaid or overdrawn after spending within the credit limit granted by the bank. When the cardholder is short of funds, he can withdraw cash to ease the cardholder's financial shortage. Credit cards can apply for a distinction between repayment and minimum repayment.

Credit card has the functions of deposit withdrawal, transfer settlement and credit payment.