Credit card is a special carrier card issued by commercial banks to individuals and units, which is used to buy goods from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. The credit card we are talking about now generally only refers to the debit card. Generally speaking, credit card is a kind of micro-credit payment tool provided by banks to users. That is, when your shopping demand exceeds your ability to pay or you don't want to use cash, you can borrow money from the bank, and the bank doesn't need to pay any interest and handling fees. A credit card is a certificate that the bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, when the credit card has no money, you can withdraw cash directly from the ATM.