Credit card is a kind of consumption medium issued by banks to customers according to their financial resources, credit and other comprehensive factors. Credit cards have the nature of spending first and then repaying, and their characteristics are as follows:

(1) Credit card is one of the fastest-growing financial services, which can replace the traditional cash flow to a certain extent.

(2) Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

(3) Credit cards can reduce the use of cash and currency;

(4) Credit cards can simplify the collection procedures and save social labor;

The advantages are:

If there is no deposit, you can overdraw your consumption, and you can enjoy an interest-free period of 20-56 days to repay the principal and interest on time without charging any fees;

It is not only safe and convenient to swipe your card when shopping, but also to give away integral gifts;

Accumulate personal credit, add credit records to your credit file, and benefit for life;

Special merchants who hold cards in banks can enjoy preferential treatment;

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo;

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card;

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently;

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses;

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss;