Credit card refers to a kind of credit certificate and payment tool issued by banks or specialized companies to cardholders for cash withdrawal, settlement or direct consumption in shopping malls, restaurants, hotels and other consumer places. The so-called credit has two meanings here. One is that the cardholder can keep his promise and keep his word, and has certain economic strength and payment ability in economic activities and consumption activities. Therefore, in a sense, credit cards also reflect the credit status of a person or an enterprise. Second, the credit card itself has some credit functions of financial institutions.

There are three kinds of credit cards that have been issued: debit card, quasi-credit card and credit card.