b

Test question analysis: Credit card is an electronic payment card with some or all functions such as consumption, transfer settlement, cash deposit and withdrawal, credit loan, etc. It is a credit instrument used in economic transactions and settlements. Cardholders can shop and consume at the consumption places designated by the card-issuing bank. Cardholders can deposit, withdraw cash and transfer funds at designated business institutions. The role of credit card: As a credit tool for transfer settlement, credit card integrates deposit, withdrawal, consumption, settlement and inquiry. It reduces the use and inconvenience of cash, simplifies payment procedures, saves transaction costs, facilitates shopping and consumption, enhances consumption safety, and brings great convenience to cardholders. Therefore, option b is selected for this question. Credit cards are not provided free of charge by commercial banks to individuals who lack funds. To apply for a credit card, you must have good credit, and there are certain fees for using the credit card. Therefore item 3 is wrong. Comments: To correctly choose this question, you can try the elimination method. As long as one of the three combinations is wrong, you can eliminate it and finally determine the correct answer. This question is of moderate difficulty. Memorizing the advantages of credit cards is the key to answering this question.