Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which you can spend first and then repay; A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Three, the use of credit cards should pay attention to the following points:

1. If the issuing bank offers special discounts in the first year to attract consumers to apply for credit cards, it must pay special attention. These promotions are usually short-term, so don't be confused for a moment. When choosing a credit card, you should give priority to long-term interests.

2. Avoid applying for a card that exceeds the cardholder's ability to pay. Evaluate your consumption habits, needs and financial situation, and then decide how many credit cards you need to choose.

The cardholder must sign the new card immediately after receiving it, and cut the old card into pieces, so as not to be fraudulently used.

The cardholder must keep your credit card well and report the loss immediately if it is lost.

5. Regardless of credit card or charge card, the cardholder must keep a good credit record.

It's convenient to borrow cash in advance, but it's expensive.

7. The use of revolving credit can help cardholders to manage their finances. However, it should be noted that revolving credit is a kind of credit loan. The cardholder does not have to pay off all the consumption amount at one time during the payment period, but only pays a part of the amount before each payment period, but revolving credit must pay extra interest.

8. Prevent credit card fraud.

9. When changing the new address or contact telephone number, immediately notify the issuing bank.

10. Cardholders don't need to pay more if they swipe their cards at special stores.

1 1. If the cardholder is collected by the collection unit because of non-repayment, the cardholder has the responsibility to pay off the arrears immediately, and will bear legal responsibility in serious cases.