Credit card account refers to the account opened by the cardholder in the bank, and the credit line of the cardholder is stored in the account. Credit card accounts and savings card accounts are different. Credit card account is a professional account opened by the bank for credit card holders. Its main function is to store the credit limit of the cardholders.

Credit card accounts can provide many conveniences for cardholders. For example, if the cardholder exceeds his spending power when shopping in the mall, he can pay in cash through the credit line provided by the credit card account. In addition, credit card accounts can also be used for online shopping and payment of various service fees.

Cardholders need to keep their credit card accounts in good condition, otherwise they will be punished. The bank will record the cardholder's credit card account records. If the account is found to have bad records such as overdue repayment and arrears, it will affect the credit score of the cardholder. This will have a long-term impact on the credit history of cardholders, making it difficult for them to obtain loans and rent houses. Therefore, cardholders need to use credit card accounts correctly, abide by the relevant regulations of banks, and maintain a good credit record.