从1985年中国银行珠海分行发行第一张信用卡至今,我国的信用卡产业已经走了二十多年历程。尤其是近些年来随着我国经济的快速发展,人民生活水平的提高。信用卡凭借其便捷性,越来越受到人们青睐。信用卡业已成为我国社会经济生活中不可或缺的重要媒介,但是目前学界对信用卡的基本概念以及法律关系并没有形成统一认识。而这对于法律调整信用卡各方当事人的关系起着重要作用。 Since the first credit card was issued by Bank of China Zhuhai Branch in 1985, the credit card industry in China has gone through more than 20 years. Especially in recent years, with the rapid economic development in our country, people’s living standards have been raised. With its convenience, credit cards are gaining popularity. Credit card industry has become an indispensable medium in China’s social and economic life. However, at present, the academic circles do not have a unified understanding of the basic concepts and legal relations of credit cards. This is an important part of the legal regulation of the relationship between the parties to the credit card.