A brief introduction extracted from the website of Agricultural Bank of China shows that Jinsui Credit Card is defined as a RMB credit payment tool (quasi-credit card, hereinafter referred to as Jinsui Credit Card) issued by Agricultural Bank of China, which has the functions of cash deposit and withdrawal, transfer settlement and credit card consumption, and can enjoy certain overdraft facilities according to the regulations of the issuing bank. Jinsui credit card is divided into gold card and ordinary card according to different credit grades, and unit card and personal card according to different card issuers.