Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. Credit cards can be divided into the following categories according to four dimensions:

(1) can be divided into: credit card and debit card according to whether it has the function of consumer credit;

(2) According to whether the reserve fund is paid, it can be divided into: credit card and quasi-credit card;

(3) According to the users, it can be divided into: personal card and unit card;

(4) According to the credit rating, it can be divided into platinum card, gold card and ordinary card.