Credit was first born in the United States in the 1950s, after nearly six years of development, has been on a global scale to achieve widespread popularity and acceptance and is currently the most popular card-based payment and consumer credit financial instruments. The same time, as carriers and channels to provide services to retail customers for commercial banks, credit cards for banks continue to provide lucrative and during stable expansion, maintenance and bind customer relations play an important strategic role, are known as the most valuable retail banking products line.%信用卡最早诞生于20世纪50年代的美国，经过近六十年的发展，已经在全球范围内实现了广泛的普及和受理，是目前最为流行的银行卡支付和消费信贷金融工具。同时，作为商业银行向零售客户提供服务的重要载体和渠道，信用卡为银行源源不断地提供着丰厚且稳定拓展、维护和绑定客户关系方面发挥着重要的战略作用，被誉为最具价值的零售银行产品线。
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