Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Its form is printed with the issuer's name, expiration date, number, cardholder's name, etc. There is a magnetic stripe on the front and a signature card on the back. Consumers with credit cards can buy or spend in the special service department, and then the merchants and cardholders can settle accounts, and the merchants and cardholders can overdraw within the prescribed amount.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.