Credit card consumer credit has the characteristics of revolving credit line, no mortgage, no guarantee, short-term, small amount and no designated purpose.

1, revolving credit line. China's card-issuing banks generally give cardholders an interest-free period of up to 60 days, and the credit limit of cardholders is approved according to their credit status.

2. It has the nature of unsecured loan.

3. Generally, there is a minimum repayment requirement. The minimum repayment amount stipulated by China Bank is generally 65438+ 00% of the payable amount.

4, usually short-term, small, non-designated credit.

5. In addition to credit loans, credit cards also have the functions of cash deposit and withdrawal, transfer, payment and settlement, collection and payment, deposit and withdrawal, bank withdrawal, online shopping and so on.