Credit Card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service. The biggest difference between it and ordinary bank cards (debit cards) is that credit cards can overdraw consumption, while debit cards can't. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, but will pay back when the bill is entered.
Under normal circumstances, citizens with full capacity for civil conduct (Chinese mainland 18-year-old citizens) who have a certain direct source of income can apply for a credit card from the issuing bank. After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.