信用卡保险的现状信用卡是商业银行或专营公司向个人和单位发行的,凭此向特约商户购物消费或向银行存取现金,并具有消费信贷功能的信用凭证。信用卡的主要功能包括消费信贷、消费结算、存取现金和银行转账等。据统计,美国信用卡超过了10亿张,信用卡占持卡人日常支出比例为25%；我国台湾地区,发卡量超过了2000万张,成年持卡比例达到65%。我国香港地区拥有600多万张信用卡,成年人持卡比例达到 The status quo of credit card insurance Credit card is a commercial bank or franchise company issued to individuals and units, by virtue of the merchants to shoppers or consumers to access cash access to bank credit cards with credit functions. The main features of credit cards include consumer credit, consumer billing, cash and bank transfer access. Statistics show that there are over 1 billion credit cards in the United States, accounting for 25% of cardholders’ daily expenses. In Taiwan, China, more than 20 million cards are issued and the percentage of adult cards reaches 65%. Hong Kong has more than 6 million credit cards in our country, and the percentage of adults holding cards has reached