Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to consumers with qualified credit. The form is a card with the name of the issuing bank, validity period, number, name of the cardholder and other contents printed on the front and magnetic strip and signature strip printed on the back.
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to consumers with qualified credit. The form is a card with the name of the issuing bank, validity period, number, name of the cardholder and other contents printed on the front and magnetic strip and signature strip printed on the back. Consumers with credit cards can go to the special commercial service department for shopping or consumption, and then the bank will settle accounts with merchants and cardholders, who can overdraw within the specified limit.
我国有关法律（《全国人民代表大会常务委员会关于<中华人民共和国刑法>有关信用卡规定的解释》）规定的信用卡，是指由商业银行或者其他金融机构发行的具有消费支付、信用贷款、转账结算、存取现金等全部功能或者部分功能的电子支付卡 。2017 年 12 月 1 日，《公共服务领域英文译写规范》正式实施，规定信用卡标准英文名为 Credit Card。
The credit card stipulated in the relevant laws of China (the interpretation of the Standing Committee of the National People’s Congress on the provisions of the criminal law of the people’s Republic of China on credit card) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the specification for English translation and writing in the field of public services was officially implemented, which stipulates that the standard English name of credit card is credit card.
信用卡一般是长 85.60 毫米、宽 53.98 毫米、厚 1 毫米的的特制载体塑料卡片，正面印有发卡机构名称、有效期、号码、持卡人姓名等内容，背面有芯片、磁条、签名条。持卡人可以凭信用卡向特约单位购物、消费和向银行存取现金。
Generally, credit card is a special carrier plastic card with length of 85.60mm, width of 53.98mm and thickness of 1mm, with the name of the issuer, expiry date, number, name of the cardholder and other contents printed on the front, and chip, magnetic strip and signature strip on the back. The cardholder can use the credit card to purchase, consume and deposit cash with the bank.
Credit card consumption is a kind of non cash transaction payment method. It is not necessary to pay cash when consuming, but to repay when the bill date.
The credit card is divided into credit card and quasi credit card. The credit card refers to the credit card that the cardholder has a certain credit limit and can consume before repayment within the credit limit. The quasi credit card refers to the quasi credit card that the cardholder deposits a certain amount of petty cash according to the requirements. When the balance of the petty cash account is insufficient to pay, it can overdraw within the specified credit limit. The credit card generally refers to the credit card alone.