Standard credit card is a common credit tool for financial institutions. Its main function is to facilitate cardholders' shopping, travel, consumption, online payment and other non-cash consumption. Cardholders can accumulate credit records by using standard credit cards, which is very important for personal financial planning and credit line improvement.

Different from debit cards, standard credit cards not only have the function of payment, but also are an important source of credit records. Cardholders can use their credit cards well, repay their loans on time and actively control their credit, which can continuously improve their credit rating. This is of great help to apply for other loans, get a higher credit card or rent a house.

Standard credit cards have many other advantages, such as providing insurance protection, exchanging points for goods or discounts, and enjoying special discounts from merchants. However, it should be noted that cardholders should be cautious when using credit cards, and do not overdraw or delay repayment at will to avoid high interest or fines. Controlling your credit history is the key. Only by constantly improving your credit level can you give full play to the advantages of using credit cards.