The development of credit card business is the performance of social and economic development, which promotes the transformation of payment and storage methods. The benign development of economy provides the basis and possibility for the transformation of different life and consumption methods.
The diversity of credit card functions satisfies many possibilities of people's daily consumption. A savings bank card is something that everyone has in our life. The emergence of bank cards is a place where our surplus funds can be safely stored, and at the same time, it also meets the daily consumption needs in payment. The appearance of credit card is an extension and supplement to the function of bank card. The emergence of credit cards not only has the payment and storage functions of bank cards, but also the most striking point is that credit cards can be overdrawn. This unsecured payment method greatly facilitates the possibility of people's life, so it is attractive enough from the function of credit card.
The change of personal consumption concept and consumption mentality is an important reason for the widespread use of credit cards. Compared with the past, the overdraft of people's lifestyle is an unacceptable life behavior, which does not conform to the traditional consumption concept of China people. However, with the development of society, people's consumption concept is also changing with the progress of society. It is normal to spend today's money to fulfill tomorrow's dream. Therefore, the appearance of credit card greatly facilitates people's daily consumption and caters to the change of people's consumption concept.
Therefore, under the basic conditions of social trends and convenient credit card functions, more and more people are willing to apply for credit cards for consumption.