Credit refers to the trust gained by fulfilling promises, and credit is long-term accumulated trust and honesty. Credit is scarce and unstable. The credit accumulated in ten years is often lost because of a moment's words and deeds. It still refers to the positive record of our past commitments, and it is also a kind of behavior art, a behavior management mode that everyone can try and manage themselves. Credit tool: credit card: because credit card can integrate deposit, withdrawal, loan, consumption, settlement and inquiry, it is convenient and safe to use, and users do not need to carry a lot of cash when going out shopping, and can also pay more deposits than themselves; For the payee, it can save a lot of labor for 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 using credit cards. When the cardholder overdraws, the bank can charge higher interest as a loan. Because credit card is so convenient and has such advantages, it has gradually become a popular payment behavior in modern society, and everyone can't live without it. Cheque: Cheque is issued by the drawer, which entrusts the bank to handle the cheque deposit business, and unconditionally pays a certain amount of bills to the payee or holder when seeing the ticket. In China, checks are mainly divided into transfer checks and cash checks.