The Sunshine Deposit and Credit Card of China Everbright Bank is a wealth management product with "payment function as the main function and consumer credit function as the supplement". It is different from the traditional credit card which emphasizes the function of consumer credit and attracts consumers with a high amount of money. The positioning and function of Sunshine Credit Card are more faithful to the actual needs of the general public. For users who cannot meet the credit conditions, the credit account limit of the card given by the bank will be temporarily 0. Users can obtain credit records by saving and spending with cards, thus increasing the credit limit of the account. This way reduces the entry threshold and meets the real needs of the public. At the same time, customers can gradually get familiar with credit card products, accumulate credit records, develop good consumption habits and improve their financial management ability through the process of using this product.