China's relevant laws ("NPC Standing Committee on

The front of the credit card is printed with the name of the issuer, expiration date, number, cardholder's name and other contents, and the back is provided with a chip, a magnetic stripe and a signature strip. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

The meal card, water card and public telephone card used by students do not belong to the definition of credit card, so they are not credit cards.

Extended data

Credit card application

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Baidu encyclopedia-credit card