According to Baidu, credit cards are non-transferable between husband and wife. Credit cards are issued by banks according to the credit and income status of applicants. Each credit card has a corresponding cardholder, and the use and repayment of the credit card are borne by the cardholder himself. According to the regulations of the bank, credit cards are only for the cardholder's own use, and may not be rented, lent or transferred to others. If the husband and wife need to use the credit card together, they can apply for a supplementary card, and the supplementary card holder can share the credit line of the main card holder, but the main card holder still needs to bear the repayment responsibility.

Any special card that can provide a credit certificate for the cardholder, and the cardholder can use the card to shop, consume or enjoy specific services can be called a credit card.