based on digital technology, electronic credit card is a virtual credit card with no physical form, and every consumption needs to be paid by mobile phone or other digital devices. Traditional credit cards are physical cards, which can be inserted into POS machines for credit card consumption. In addition, electronic credit cards have the advantages of convenient movement, high security and online processing, while traditional credit cards need to be processed at the bank counter and used with cards, which is relatively inconvenient to use. At the same time, however, it should be noted that electronic credit cards may have security risks and service restrictions, and users need to weigh the pros and cons before making a choice.