Test and analysis: Credit card is an electronic payment card with the functions of consumption, transfer settlement, cash deposit and withdrawal, credit loan and so on. (1) conforms to the meaning of the question and should be selected; Using credit card can integrate deposit and withdrawal, loan, consumption, settlement and inquiry, which can reduce the use of cash, simplify the collection procedures, facilitate shopping and consumption, and bring many conveniences to cardholders. ② ③ It meets the meaning of the question and should be selected; The function of credit card is completed automatically with the help of the bank's electronic computer system, and there are also risks. 4 wrong, do not choose, so the answer is C.