According to credit card issuers, it can be divided into bank cards and non-bank cards; Bank card Bank card (the picture shows the bank card issued by HSBC) Bank card is a payment card issued by banks and other financial institutions, which facilitates customers to obtain financing channels and has the functions of shopping payment, transfer settlement and so on. Non-bank card Non-bank card (American Express card in the picture) Non-bank card mainly includes two types: retail credit card issued by commercial organizations and tourism entertainment card issued by tourism service industry: retail credit card: issued by retail department stores, oil companies, telecommunications companies and other enterprises, with which cardholders can shop at designated stores or refuel at gas stations. , and settle accounts regularly. The circulation scope of this kind of credit card is greatly restricted and the development scope is narrow;