The credit card market, especially the Chinese credit card market, is full of various credit card promotions, such as credit cards, quasi-credit cards, standard credit cards, etc. These numerous concepts confuse many cardholders. So what kind of credit card is a real credit card? This article introduces you how to identify real credit cards and help you avoid all kinds of scams. A real credit card must have the following three characteristics: 1. The ability to overdraft. That is to say, you don’t need to deposit money into the credit card to make purchases. This is the most basic feature of a credit card. If it cannot be overdrawn, it is definitely not a real credit card; second, it has an interest-free repayment period. There is a certain period of interest-free repayment period after using a credit card. As long as you repay the corresponding consumption amount to the bank during this period, the bank will not charge interest. Generally, the interest-free repayment period is about 50 days. If there is no interest-free repayment period, it is definitely not a real credit card; 3. It has revolving credit. A revolving credit is a small, unsecured loan with daily interest. You can decide the repayment amount (either in one lump sum or in installments) before the monthly repayment due date based on your own financial situation. If you choose to repay in installments, when the amount you repay is equal to or higher than the minimum payment amount of the current bill, but lower than the amount due in the current period, the remaining deferred payment amount is the revolving credit balance. This is still a bit confusing to say. Let’s give an example: Ms. Wang’s credit card bill date is the 12th of each month, and the due repayment date is the 28th of each month. The bank will mail it to her on the 12th of each month. The transaction situation of the last consumption cycle (from the 13th of last month to the 12th of this month). For example, Ms. Wang consumed RMB 10,000 in the last transaction cycle, then Ms. Wang’s "repayment amount for this period" is RMB 1 Ten thousand yuan, the "minimum repayment amount" is one thousand yuan. If Ms. Wang's money is relatively loose, then she repays RMB 10,000 before the due date on the 28th, then there will be no problem with revolving credit. But if Ms. Wang's money is tight and she adopts the installment payment method, then she will You can repay one thousand per month, and the remaining nine thousand for deferred repayment is revolving credit. To put it simply, a credit card can be repaid in installments using the minimum repayment method, so that when repaying the loan, you only need to pay interest on the unpaid portion. Any credit card that has the above three characteristics is a real credit card. When someone sells a credit card to you or you want to know whether a certain credit card is a real credit card, just check whether it has the above three characteristics at the same time.