Goldpac is a domestic card manufacturer and card personalization service provider certified by VISA, JCB, MasterCard, American Express, Diners Club and China UnionPay. It mainly provides products and services such as various magnetic stripe cards, smart cards, card personalization, IC card reading and writing machines, and card issuance systems for domestic and foreign markets. Goldpac was established in 1995.

Goldpac’s business areas include finance, government, health, highways, social security, third-party payment, etc. It has 3 branches and 3 offices. The three companies under the group are Goldpac Security Card Co., Ltd., Goldpac Data Processing Co., Ltd. and Hong Kong Goldpac Data Co., Ltd.

When users apply for credit cards on a daily basis, they are generally classified into VISA, JCB, MasterCard and China UnionPay. Credit cards used in China are generally marked with China UnionPay. This kind of credit card can be applied for through different channels, such as the bank's official website, mobile banking, bank counters, etc. The application time for different channels is different.

Users must repay on time after daily use of credit cards. Overdue repayment is not allowed, because overdue repayment will generate penalty interest. The longer the time, the more penalty interest will be generated. In fact, when a credit card cannot be repaid on time, users can use installment repayment or the minimum repayment amount, so as to avoid late repayment.