Credit card is a credit document that banks and financial institutions provide to reputable units and individuals, to withdraw cash from designated banks, or to settle accounts and settle accounts at designated stores, restaurants, hotels, etc.

The basic form is a card with proof. It is usually made of special plastic. Its standard is: the card length is 85.72mm, the width is 53.975mm, and the thickness is 0.762mm (the domestic standard is the same as the international standard). It contains the name, validity period, number, cardholder name, etc. of the issuing bank.

The credit cards currently issued in China mainly include peony card, the Great Wall card, MasterCard, visa card, JinSui card, dragon card, Pacific card and so on.

The picture is the basic pattern of the Pacific card issued by Bank of communications.

The use of credit card settlement has the following characteristics: first, it is convenient to withdraw cash from the relevant banks in large and medium-sized cities across the country or shopping and consumption in special stores, shops, restaurants, hotels in the same city and different places.

The two is universal. It can be used to withdraw cash, settle cash, or pfer accounts in cities and places, instead of checking instruments such as checks and bills of exchange. It has the function of bank account.

The three is consumption in the balance of deposits, which can be overdrawn in good faith.

The cardholder's withdrawal or consumption of credit card is limited to the deposit balance within the card. When the deposit balance is reduced to a certain limit, the deposit should be replenish in time. Generally, no overdraft is required. If urgent need is made, small sum of good faith overdraft within the prescribed limit is allowed, and interest on the overdraft shall be paid.