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Credit Card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, which can be used to shop, consume with special organizations, and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. The card has Chip, magnetic strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases, and repayment will be made on the billing date (English: Billing Date) . [1]?

Credit cards are divided into credit cards and quasi-credit cards. A credit card is issued by a bank and gives the cardholder a certain credit limit. The cardholder can first pay within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the quasi-credit card can be overdrafted within the specified credit limit. Credit card. The so-called credit card generally refers to a credit card only.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to those issued by commercial banks or other financial institutions. An electronic payment card with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. [2-3]?

On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.