The first check is widely used in North America from 1659 to 1840. 187 1 year, unionpay was established. At that time, the dinner club was established in English to make it easier for members to pay after eating in restaurants. At first, 200 checks were written.

Credit cards originated in American business and catering industry. 19 15 years, in order to expand sales, attract business and facilitate customers, some shops and restaurants in the United States adopted a "credit chip", which was similar in shape to a metal badge and later evolved into a card made of plastic as proof of customers' shopping consumption. This is the earliest credit card sprout in the world.

At the end of 1970s, China's foreign economic and cultural exchanges were expanding day by day. In this context, many people brought the credit card, a popular payment method abroad, to China. In order to meet the needs of reform and opening up, some domestic banks began to set foot in credit card business. During the period of 1978, Bank of China Guangzhou Branch took the lead in signing an agreement with Bank of East Asia and began to act as an agent for overseas banks' credit card business.