信用卡在国际上是银行或财团、公司发给资信情况较好的公司、团体和有稳定收入的公民便利其购买商品、取得服务的一种信用凭证.使用中,它既是一种循环供贷的凭证,也是持卡人资力和信誉的标志,具有先消费后付款的特点.信用卡分为三大类,第一类是零售商发行的零售信用卡,第二类是一些财团、公司发行的旅游娱乐卡,第三类是银行发行的银行信用卡.目前,我国仅限于发行银行信用卡.即:中国银行发行的“长城卡”、中国工商行发行的“牡丹卡”、中国农行发行的“金穗卡”,另外,中国银行参加了国际维萨和万事达组织,发行了相应的信用卡.信用卡在我国是一项新业务.同任何业务一样,总难免发生法律问题.当前,较集 Credit card is a bank or consortium in the world, the company issued credit to good credit companies, groups and citizens with a stable income to facilitate the purchase of goods, access to services, a letter of credit.In use, it is a kind of recycling loans Voucher is also a cardholder’s credit and credit, with the characteristics of post-consumer payment.Credit cards are divided into three categories, the first is retail credit cards issued by retailers, the second is a number of consortia, the company issued travel entertainment Card, and the third is a bank credit card issued by a bank.At present, our country is limited to issuing bank credit cards, namely “Great Wall Card” issued by Bank of China, “Peony Card” issued by China Industrial and Commercial Bank, "Kins Card In addition, Bank of China participated in the international Visa and MasterCard, issued a corresponding credit card.Credit card in our country is a new business.As with any business, the inevitable legal problems are always inevitable.At present, more set