The appearance of credit card is a very great financial invention, which embodies the economization and materialization of people's credit. Credit card can make people's credit turn into tangible benefits, use credit reasonably within the legal scope, thus gaining greater monetary dominance, thus broadening financing channels and expanding social wealth. Of course, everything has two sides, and credit cards can carry forward credit. However, if personal credit is used improperly and overdrawn maliciously, people will lose credit. But to some extent, this is not the fault and deficiency of credit cards, but the greed of human nature. Reasonable use of credit cards is the best choice.