Joint credit card refers to the agreement reached between credit card and commodity distributor, so that cardholders can not only enjoy excellent financial services, but also enjoy special discounts from manufacturers when spending. Co-branded credit cards are generally subsidiary products of bank cards jointly issued by commercial banks and for-profit institutions. Its operation form is that the issuing bank and airlines, telecommunications companies, shopping malls and other profit-making institutions jointly issue a card, and cardholders can enjoy a certain percentage of discounts provided by merchants when spending in these institutions. Now many banks have developed joint credit cards with the larger shopping malls in this city.