A credit card is a special carrier card issued by a commercial bank to individuals and units, which is used to make purchases, spend money and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front and a magnetic stripe and signature on the back. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. Credit cards are credit cards in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. A quasi-credit card is a credit card that first deposits a certain amount of reserve funds according to the requirements of the issuing bank. The credit card we are talking about now generally refers to a debit card only.

The most popular saying is that when your shopping demand exceeds your ability to pay, you can borrow money from the bank. A credit card is a certificate that the bank promises to lend you money according to your credit status. Your credit card will remind you how much money you can borrow from the bank and when to pay it back. Credit cards will also record your personal data and consumption details, so as to provide you with all-round financial services.