1. Credit card

1. Because credit card can integrate deposit, withdrawal, loan, consumption, settlement and inquiry, it is convenient and safe to use, and users don't have to carry a lot of cash when going out for shopping, and they can also pay more than their own deposits; For the payee, it can save a lot of labor in receiving, counting, keeping and escorting cash; For banks, issuing credit cards not only saves a lot of labor in printing, issuing, receiving and paying, counting and keeping cash, but also charges a certain handling fee to the party who uses the credit card. When the cardholder overdraws, the bank can also charge higher interest as a loan.

2. Because credit card is so convenient and has such benefits, it has gradually become a popular payment behavior in modern society, and everyone can't live without it.

II. Cheque

Cheque is a kind of bill issued by the drawer, which entrusts the bank to handle the cheque deposit business to unconditionally pay a certain amount to the payee or holder at sight. In China, checks are mainly divided into transfer checks and cash checks.