It is a specially made plastic card, 85.6 mm long, 53.98 mm wide, and 1 mm thick. The name of the card issuing institution, expiration date, number, user name and other contents are printed on the front of the card, and there are chips, magnetic strips and signature strips on the reverse. Users can use their credit cards to make purchases and transactions with special merchants and withdraw cash from banks.

What are the characteristics that a credit card should have?

1. The credit card has an overdraft function, which means that you can use the card to make purchases even if there is no money in the credit card. This is one of the most basic functions of a credit card. If there is no overdraft, it is not a real credit card.

2. Credit cards have an interest-free repayment period. For overdraft consumption, there is no interest for repayment within the specified time. Generally, the interest-free repayment period for credit cards is about 50 days. If there is no stipulated interest-free period, The repayment period indicates that there is something wrong with the credit card, so you must be cautious when applying for a card.

3. Credit cards must have revolving credit, which is a small daily loan without collateral. The advantage of revolving credit is that users can decide the repayment amount based on their own circumstances before repayment is due.