xìn yòng kǎ

credit card

The Chinese term '信用卡' refers to a plastic card issued by financial institutions that allows the cardholder to borrow funds for purchases up to a pre-approved limit. It is widely used in China for shopping, online transactions, and daily expenses, making it a convenient payment method. When using a credit card, users are expected to repay the borrowed amount to avoid interest charges and maintain a good credit score.