Credit card agreement refers to the agreement reached between banks and credit card holders in the process of issuing and using cards. The agreement contains relevant provisions such as card issuance, usage regulations, fees, interest rates, etc., aiming at clarifying the rights and obligations of both parties and ensuring the security and legality of the transaction.

The signing of a credit card agreement is a prerequisite and necessary step for credit card issuance. Cardholders need to carefully read and agree to the agreement when applying for a credit card, and sign it legally and fully. At the same time, banks should also make agreements in accordance with relevant laws and regulations to protect the legitimate rights and interests of cardholders.

Credit card agreement is an important link to maintain the steady development of the credit card market and ensure the credit rights and interests of consumers. Credit card holders should abide by the terms of the agreement when using credit cards and properly handle all kinds of risks and problems in the process of using credit cards. At the same time, banks should also issue credit cards according to laws and regulations to maintain the fairness and transparency of the credit card market.