Very important. One is that the credit card is afraid that others will steal your password, and the other is that you still have to pay the bill. Second, there is an annual fee for credit cards. If you don't close your account, it will affect your credibility. You can't apply for cards and loans in any bank in the future. You must report the loss and remember to bring your ID card. : (1) What is a credit card?

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85,60 mm, a width of 53,98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. It is a form of card with name, expiration date, number and cardholder's name printed on the front, and magnetic stripe and signature strip printed on the back.

(2) Real credit cards have the following characteristics: cash deposits are not encouraged, consumption is followed by repayment, interest-free repayment period is enjoyed, repayment can be made in installments (minimum repayment amount), and visa, master and other international credit card organizations are joined.

(3) the characteristics of credit cards

Credit card is one of the fastest growing financial businesses. It is an electronic currency, which can replace the traditional cash flow to some extent;

② Credit cards have both payment and credit functions. Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

③ Credit card is a high-tech product combining financial business with computer technology.

Credit card can reduce the use of cash and money;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and stimulate social demand.