a credit card is a credit tool issued by a bank, and the cardholder can spend it within a certain credit limit and then repay it according to the repayment period stipulated by the bank. Credit card, also known as credit card, has the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc. The cardholder can pay no interest during the interest-free repayment period, with a minimum repayment amount. If the cardholder fails to repay in full, he can choose to repay by installments. The use of credit cards can help people to provide flexible payment methods when shopping and spending, and can establish personal credit records.