(1) First of all, money is a universal equivalent as a medium of exchange, and the value scale function is the most basic function of money, while credit cards are different. It is not an equivalent and has no value scale function, but a means of value transfer and a carrier of money.

(2) Secondly, money and commodities, as means of circulation, are constantly shifting between buyers and sellers, and credit cards always belong to one owner. When goods are traded as a medium, the value will be transferred, but credit cards will not. What it mediates is still the transposition movement of money and goods;

(3) Thirdly, credit card is an advanced payment tool, which is an extension and extension of monetary payment means. It breaks through the restriction of currency, can complete transactions for its cardholders in one place or many times, and can pay money in a large or small amount within the bank credit line in exchange for the goods and services that cardholders need. When serving the same cardholder, it greatly expands the means of monetary payment in time and space;

(4) Finally, the credit card layout has storage means, and it only performs the function of savings passbook when serving customers;

(5) It will not become the world currency. Although credit card has broken national boundaries and been widely used in the world, it still transfers money because it has no value scale function. When money is realized in the function of money, it is still a payment tool.

Adoption.