Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Second, the rational use of credit cards:

1. We should make full use of the interest-free period of credit cards.

The interest-free period of credit cards in different banks is different, but it can basically be more than 30 days, and some banks can even reach more than 50 days. If we can repay the credit card in full before the repayment date, it basically means that we enjoy the interest-free period of 30~50 days in advance. For friends who can use credit cards flexibly, we can regard this period as our stable cash flow.

2. It's best not to use installment payment and minimum repayment amount, and don't take the initiative to withdraw cash.

Some people can't repay their credit cards in full before the repayment date, so they will use installment payment and minimum repayment amount. These two methods seem to alleviate a person's financial difficulties, but the annualized comprehensive interest is very high. Generally speaking, the annualized comprehensive interest of credit cards can reach 18%, which is already very high. At the same time, the active withdrawal of credit cards will also generate high interest charges.

3. We can participate in credit card points activities.

Every bank's credit card will basically launch corresponding points activities, and when we use the corresponding consumption behavior, we can get equivalent points. After we have accumulated a certain level of points, we can exchange them for equivalent items. I advise my friends to observe their credit card points more, which is also a process of many a mickle makes a mickle.

How do you say credit card in Japanese?

Japanese is クレジットカド Pinyin pronunciation: kuleijitouka (long tone) dou The biggest function of Japanese credit card is to pay, of course, online payment is also acceptable. When paying, you can also choose to pay the full amount by installments, as well as the year-end bonus and the monthly installment payment of your own designated amount. Even after you pay, you can change the payment method online or by phone. Japanese credit cards can be used not only for shopping, but also for paying utilities, mobile phone fees, insurance fees, internet fees and so on. Another function of a credit card is that you can borrow money, which varies according to the amount of credit card you apply for. For example, if you want to apply for a credit card with a loan of 6.5438 million yen, the credit card company will investigate your repayment ability, and not everyone can apply successfully. But generally, if you can borrow a credit card of 30,000 or 50,000 yen every month, it's ok.

What is a credit card and a savings card? Please put it in a popular way!

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.

Extended data:

Credit cards are not encouraged to deposit cash in advance, and they can enjoy interest-free repayment period. They can be repaid in installments (minimum repayment amount) and join international credit card organizations such as VISA, MasterCard and JCB for global use.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

The main function of a savings card is to save deposits. Cardholders can read and manually enter passwords through the electronic payment network established by the bank and the magnetic stripe of the card, so as to realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account.