The digital currency to be issued by the central bank this time is really the literal digital currency, that is, the electronic version of paper money, which is endorsed by national credit, but only replaces part M (cash); This time, digital currency adopts a two-tier operation structure, that is, the central bank issues it to commercial banks first, and then the commercial banks issue it to individuals. When the central bank issues it to commercial banks, it needs commercial banks to replace it with equivalent cash, so this process will not cause excessive currency issuance and will maintain the stability of the currency value.

digital currency is only a substitute for paper money, and it is still in a small-scale experimental stage. Even if it is popularized on a large scale in the future, it will have no impact on credit cards. The demand for credit cards comes from the personal demand for short-term credit, which is completely different from that in digital currency.