当前，国家放宽了个人消费信贷业务范围，鼓励将银行卡作为个人消费行为的支付工具，可见银行卡遇到了又一次新的机遇，将成为走向消费信贷的重要途径。１－转变观念，促进持卡消费。首先，从社会方面讲，要转变传统的消费观念，增强持卡消费意识。要认识到持卡消费不仅是社会? At present, the state has relaxed the scope of personal consumer credit business and encouraged the use of bank cards as a payment tool for personal consumer behavior. Thus, bank cards have encountered another new opportunity and will become an important channel for consumer credit. 1- Change ideas and promote card spending. First of all, from a social point of view, we must change the traditional concepts of consumption and enhance awareness of card consumption. To recognize that card spending is not only social?