Credit card is a special carrier card issued by commercial banks to individuals and units, which is used to buy goods from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. The credit card we are talking about now generally only refers to the debit card. Generally speaking, credit card is a kind of micro-credit payment tool provided by banks to users. That is, when your shopping demand exceeds your ability to pay or you don't want to use cash, you can borrow money from the bank, and the bank doesn't need to pay any interest and handling fees. A credit card is a certificate that the bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, when the credit card has no money, you can withdraw cash directly from the ATM. Characteristics of credit cards; 1, no overdraft consumption, 20-56 days interest-free repayment on time, without any interest. 2. swiping a card while shopping is not only safe, hygienic and convenient, but also a bonus gift. 3. Special merchants who hold cards in banks can enjoy preferential treatment. 4. Accumulate personal credit, add a credit record to your credit file, and benefit for life. 5. National access is barrier-free, and you can withdraw money or spend money on ATM and POS machines with UnionPay logo. 6, credit card consumption, take the existing points. All kinds of discounts and lottery activities throughout the year will always surprise you with your card. 7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently. 8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure. 9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB. 10,400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk. 1 1. Validity period: It is known that the validity period of domestic credit cards is generally three to five years.