信用卡是由银行或专业机构对具有一定信用的顾客所发行的一种赋予信用的证书。自1952年美国加州富兰克林国发银行敢为天下先,第一次向社会发行信用卡后,信用卡的普及发展速度十分惊人。目前世界上已有4万多家银行机构加入信用卡的发行队伍,每年交易额达5000多亿美元。电子计算机的发展和普及更使信用卡如虎添翼。而今,全球处于流通中的信用卡已达8亿多张。发达国家的商店、旅馆的经营收入,60%是兑付信用卡获得的。在美国平均每人持有5张信用卡。由于信用卡集储蓄、汇总、信贷、结算和现取五大功能于一身,带给人们的便利日益为人们所认识,信用卡发放量与业务数与日俱增。自1985年中国银行珠海分行在我国发行第一张信用卡至今,信用卡已在我国呈直线上升的速度。经中国四家龙头银行的一番苦心经营,长城卡、牡丹卡、万事达卡、维萨卡、金穗卡、珠江卡纷纷问世。1994年10月,我国工商、农业、交通、中国等银行加入威士国际组织。据参加威士国际组织亚太区会员大会的各大银 A credit card is a type of credit-granting certificate issued by a bank or professional organization to a customer who has a certain credit. Since 1952, Franklin, California, the United States Bank of China dare to make money for the world first, the first issue of credit cards to the community, the popularity of credit card development is very alarming rate. At present, more than 40,000 banking institutions have joined the credit card issuance team in the world, with an annual turnover of over 500 billion U.S. dollars. The development and popularization of electronic computers make credit cards even more powerful. Today, more than 800 million credit cards are in circulation worldwide. Developed countries, shops, hotels, operating income, 60% of the credit card is obtained. In the United States each holds an average of 5 credit cards. As the credit card set savings, aggregation, credit, settlement and now take five functions in one, bring people’s convenience is increasingly recognized, credit card issuance and the number of business growing. Since the first credit card issued by Bank of China Zhuhai Branch in our country in 1985, the credit card has risen linearly in our country. With some painstaking efforts by four leading banks in China, the Great Wall Card, Peony Card, Master Card, Visa Card, Golden Harvest Card and Pearl Card have all come out. In October 1994, China’s commerce and industry, agriculture, transportation, China and other banks joined Visa International. According to participate in Visa International Asia Pacific member conference of the major silver