The banking departments are as follows: corporate business department, personal business department, international business department, fund business department, credit approval department, risk management department and accounting and settlement department. A credit card is a credit certificate issued by a commercial bank or a 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. Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers; Credit card is a high-tech product integrating financial business and computer technology.