If there is evidence that the credit card is not handled by itself, the bank should bear the corresponding responsibility of lax examination for depositors. If losses are caused to depositors, banks should also be responsible for compensation, and those who use guest ID cards to handle credit cards should bear corresponding civil liabilities.

Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.