Credit cards, usually issued by banks, are granted to persons for borrowing money, or buying products and services, but allowing delayed payment. Put simply, credit cards are "buy now, pay later". Some of the more widely known card names include MasterCard, Visa, American Express, and Great Wall? Credit cards are not to be confused with "charge cards", such as department store cards, which require full payment of the balance before the end of the billing period. It is not a line of credit and no interest is charged. It has been estimated that there are approximately 500 million credit cards in use worldwide, which confirms the popularity of this form of consumer credit.
信用卡通常由銀行發(fā)行，供客戶借款、購(gòu)物并允許推遲還款。簡(jiǎn)單而言，信用卡就是“先消費(fèi)后還款”。的發(fā)卡機(jī)構(gòu)有萬事達(dá)卡、Visa卡，運(yùn)通卡和長(zhǎng)城卡。信用卡和借記卡，如百貨公司卡不應(yīng)混淆，貸記卡在發(fā)票到期前要求全額支付余額。借記卡沒有提供信貸，也不收取利息。據(jù)估計(jì)，全世界大約有5億張信用卡，這顯示了這種消費(fèi)信貸工具受大眾的青睞程度。