Express card is a credit card, generally refers to American Express card. The first Express card was issued in 1958, mainly serving high-end customers. Over the past century, it has reached cooperation with many institutions for issuance. Domestic Express cards include China Merchants Express Card, CITIC American Express Card, Great Wall American Express Card, etc.

Individuals cannot actively apply and can only ask the bank to activate it. The cardholder is between 18 and 60 years old, has a good credit record, has a valid identity certificate, and has proof of financial strength (different banks have different requirements). Users can enjoy many benefits after owning this card, so the American Express card Users can also enjoy many discounts.

For ordinary users, it can be used with an ordinary credit card. You can apply directly to the bank's official website or counter. When applying, the credit limit given by different channels may be different. Generally speaking, the more proof of funds submitted, the greater the credit limit given by the bank.

After using a credit card on a daily basis, users must repay on time and avoid overdue repayments, because overdue repayments will affect personal credit, and when the credit becomes bad, it will affect the processing of various loans. In fact, when a credit card cannot be repaid on time, installment payments or minimum payments can be adopted.