credit card 的音标为英 /ˈkredɪt kɑːd/、美 /ˈkredɪt kɑːrd/，中文意思是“信用卡”，指由银行或金融机构发行的塑料卡片，允许持卡人先消费后还款，本质是一种短期信贷工具。它主要用于替代现金支付，常见于购物、旅行、账单结算等场景，核心功能是提供支付便利和短期信用额度。

用法说明

词性与搭配
作为可数名词，单数形式为 credit card，复数形式为 credit cards。常用搭配包括：

动词+credit card：use（使用）、pay with（用……支付）、lose（丢失）、run up（累积）

介词搭配：by credit card（通过信用卡）、on a credit card（用信用卡）

句式结构

基本句型：主语+use/pay+with+credit card，例如 I paid with my credit card（我用信用卡付款）。

被动语态：Payment is made by credit card（款项通过信用卡支付）。

疑问句：Can I pay by credit card?（我能用信用卡付款吗？）

例句

Are you paying in cash or by credit card?（您付现金还是用信用卡？）

She managed to run up a credit card debt of $60,000.（她用信用卡透支了6万美元。）

Chip and PIN is designed to combat credit card fraud.（芯片密码系统专为防止信用卡诈骗设计。）

Payments should be made by credit card or bank cheque in U.S. dollars.（应使用信用卡或银行支票以美元付款。）

He was duped into giving them his credit card.（他受骗把信用卡交给了他们。）

It doesn't matter whether you pay by cash or credit card in this store.（这家商店支持现金或信用卡支付。）

Sophia got an e-mail asking for her credit card account number.（索菲亚收到一封索要信用卡账号的邮件。）

While they may use a credit card for convenience, affluent people never let interest charges accrue.（富人可能用信用卡图方便，但从不让利息累积。）

You'll need some cash in local currency but you can also use your credit card.（你需要一些当地货币现金，但也可以用信用卡。）

The credit card business is down, and more borrowers are defaulting on loans.（信用卡业务下滑，更多借款人拖欠贷款。）

短语搭配

credit card fraud 信用卡诈骗，例如 She was charged with credit card fraud（她被控告信用卡诈骗）。

credit card debt 信用卡债务，例如 He had run up credit card debts of thousands of dollars（他积欠了数千美元信用卡债务）。

credit card terminal 信用卡终端机，用于刷卡支付的设备，例如 They entered the amount into a credit card terminal（他们把金额输入信用卡终端机）。

bank credit card 银行信用卡，由银行发行的信用卡类型。

credit card account 信用卡账户，例如 Sophia got an e-mail asking for her credit card account number（索菲亚收到索要信用卡账号的邮件）。

信用卡已成为现代生活的重要支付工具，但需注意合理使用以避免债务累积。你是否曾遇到过信用卡支付失败的情况？通常问题可能出在额度不足、卡片过期或安全验证失败等方面。