Credit card is a commercial behavior of banking business, which extracts profits from interest and handling fees, and has a special credit card center to manage it. Banks are only responsible for starting business and are a medium. Because credit card business is another business of banks besides savings, loans and financing. The transfer cheque is relatively narrow, only for VIP customers of banks, corporate accounts of companies/units, and public and private businesses. Transfer cheque saves the time problem in large cash transaction and solves the security problem in large cash transaction. It is enough for the unit to write a transfer check to the private person, and it is not necessary for the unit finance or cashier to go to the bank in person. This also reduces a lot of unnecessary links.

Generally speaking, they are all managed by banks, so banks are financial institutions, which should be understood as all managed by bank financial institutions.

In a narrow sense, the transfer check is issued by any banking institution, and in which bank it is handled, credit card. You can use it as long as it is unionpay.