A credit card is a financial instrument issued by a commercial bank. Its main function is to provide credit support for consumers to purchase goods and services. Holders can make purchases at designated merchants, including cash withdrawals and small overdrafts. Its legal definition is clearly stipulated in China's "Criminal Law Interpretation". It includes diversified functions such as consumer payment, credit loans, transfer settlement, and cash deposits and withdrawals. of electronic payment cards.

Since 2017, China has implemented English translation standards in the public service field, stipulating that the standard English name of credit cards is CreditCard. For credit card applications, applicants are generally required to be individuals over 18 years old with full capacity for civil conduct and a stable source of income, or enterprises, institutions, individual industrial and commercial households, etc. with independent legal personality. When applying as an individual, you need to provide a fixed occupation and guarantee, while when applying as an organization, you can receive the main card and supplementary card. The application process usually includes filling in a detailed application form, submitting relevant certificates and supporting materials, and agreeing to the card issuer to investigate personal information and confirm the authenticity of the information. .

In general, credit cards are important financial products that banks provide consumers with convenient payment methods and temporary credit support. The application conditions and procedures involve individual or unit credit evaluation and data submission. For more details, please refer to the relevant content of "Baidu Encyclopedia - Credit Card".