In 20 12 years, the credit card business of commercial banks in China developed rapidly. At present, the total number of credit cards issued has reached 2 1 100 million, and the credit card transaction amount is 5. 1 1 trillion yuan. A

Analysis of test questions: The rapid development of China's credit card market is fundamentally due to economic development and the increase of people's income, so item 1 meets the meaning of the question and can be chosen; The advantages of credit cards are also the reasons for the rapid development of the credit card market in China, so item 2 meets the meaning of the question and can be chosen; Not all consumer places can use it, so three mistakes cannot be selected; Credit card is not money, so it can't perform various functions of money, so there are four mistakes and you can't choose. So, the answer is item A.