Mobile credit card is a new type of card, which is based on UnionPay brand credit chip card issued by China Industrial and Commercial Bank and conforms to PBOC2.0 standard of the People's Bank of China, and combines bank chip card and mobile phone SIM card with mobile phone technology as the carrier, so as to meet the needs of consumers for small and fast payment such as shopping, riding, catering and entertainment. Users can handle the mobile payment service at the designated business outlets of China Unicom, replace it with NFC mobile phones, and then load financial applications with NFC mobile phones at the designated business outlets of ICBC.