Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.

Credit card advantages:

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. Under normal circumstances, the amount of consumption can be returned on time. ?

1, no deposit is required, and you can enjoy an interest-free period of 20-50 days with a certain overdraft limit. ?

2, shopping is convenient and fast, and there are points for gifts. ?

3. The cardholder can reduce the consumption of special merchants in this bank by a certain amount.