A credit card is a tool card used for personal, small, short-term, interest-free consumer loans. It is different from our common bank cards.

1. Credit card is also called a credit card. Every money we use is actually a bank loan. The use of this money depends entirely on our personal credit and does not save money. Accordingly, the premise of using bank cards is that we save money. Only when there is money on the card can we spend or do other things.

2. For banks, issuing credit cards is a big business, because when there is consumption, there is financing. Banks with financing can make money from this link. Similarly, the unhealthy operating methods of some consumers will also cause overdue payments, annual credit card fees, etc. Banks can also make money through this link. Of course, for individuals, there are many benefits to using credit cards rationally. At the same time, it can also help us develop good consumption habits.

1) Credit card consumption is a non-cash transaction payment method. No need to pay cash when purchasing, repayment will be made on the same day. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can repay before spending within the credit limit; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations and pays when the balance in the petty cash account is insufficient. A quasi-credit card that allows overdraft within a specified credit limit. Credit card generally refers to just a credit card.

2) According to the different objects of issuance, credit cards can be divided into corporate cards, personal cards and corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal persons. Personal card. Personal cards are issued to urban and rural residents, including employees, cadres, teachers, scientific and technological workers, self-employed households and other urban and rural adult residents with stable sources of income. If you apply for a personal card in your own name, you will bear all the responsibilities for using the card.

3) Credit cards can be divided into bank cards and non-bank cards according to different card issuers. A bank card is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's designated merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs. Not a bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions such as department stores and oil companies.