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March 24, 2026
信用卡xìnyòngkǎ(xin4yong4ka3)
信用卡 (xìnyòngkǎ) refers to a credit card, which is a financial tool allowing individuals to borrow funds to make purchases. Commonly used in various transactions, credit cards are an essential part of modern financial dealings, enabling consumers to manage their finances more flexibly. They often come with features like rewards points or cash back, depending on the issuer.
Strokes19Frequency#2365DifficultyMedium
Cultural Note
In China, the use of credit cards has been growing rapidly, especially among younger generations. However, mobile payment systems like Alipay and WeChat Pay have become more prevalent, often overshadowing traditional credit card usage in daily life.
Memory Tip
Think of 信 (xìn) as a letter 'S' for 'security' and 用 (yòng) as 'you own it', plus 卡 (kǎ) like a 'car' that drives your spending. Imagine driving a car with a letter 'S' on it, representing your secure access to funds, making it easy to remember that this is a card you use for financial security.
Meanings of 信用卡
xìnyòngkǎ(xin4yong4ka3)
1credit card
Exercise 1 of 2
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About 信用卡
信用卡Simplified
19Strokes
—Radical
名词míngcínoun (n.)Part of Speech
#2365Frequency Rank
HSK 2.0L3HSK 3.0L3ElementaryTOCFLL2HSKKL1CEFRA1
Podcast: 信用卡
Podcast: 信用卡
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AI Study Notes for 信用卡
Quick Contrast
借记卡 (jièjìkǎ) — use 信用卡 when referring to credit with borrowing capability, while 借记卡 is for direct access to funds without borrowing.
Usage Notes
Be careful with the pronunciation of 信用卡; the tones are important to convey the correct meaning. In informal contexts, you might simply refer to it as '卡' (kǎ), but in formal situations, use the full term. Common collocations include '申请信用卡' (apply for a credit card) and '信用卡账单' (credit card bill).
HSK Study Tips
As a HSK 3 term, 信用卡 connects to other financial vocabulary like '银行' (yínháng - bank) and '账户' (zhànghù - account). Focus on understanding how to use it in sentences about shopping and payments, as these are practical scenarios for learners at this level.
Common Mistakes
Learners often confuse the tones and say '信永卡' (xìnyǒngkǎ), which is incorrect. Remember to use the correct tones: 信 (xìn) with a falling tone, 用 (yòng) with a falling tone, and 卡 (kǎ) with a falling tone.
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Pronunciation of 信用卡
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信用卡 (xìnyòngkǎ) refers to a credit card, which is a financial tool allowing individuals to borrow funds to make purchases. Commonly used in various transactions, credit cards are an essential part of modern financial dealings, enabling consumers to manage their finances more flexibly. They often come with features like rewards points or cash back, depending on the issuer.
When to use 信用卡
Be careful with the pronunciation of 信用卡; the tones are important to convey the correct meaning. In informal contexts, you might simply refer to it as '卡' (kǎ), but in formal situations, use the full term. Common collocations include '申请信用卡' (apply for a credit card) and '信用卡账单' (credit card bill).
信用卡 or something close to it
借记卡 (jièjìkǎ) — use 信用卡 when referring to credit with borrowing capability, while 借记卡 is for direct access to funds without borrowing.
What learners get wrong
Learners often confuse the tones and say '信永卡' (xìnyǒngkǎ), which is incorrect. Remember to use the correct tones: 信 (xìn) with a falling tone, 用 (yòng) with a falling tone, and 卡 (kǎ) with a falling tone.
Write 信用卡
信
用
卡
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Grammar Patterns of 信用卡
信用卡 functions as a noun — it names a person, place, thing, or concept. Place it as a subject before the verb (主+谓) or as an object after the verb (谓+宾). Most Chinese nouns require a measure word between the number and the noun (e.g. 一个/三本). The example sentences below show it in action, with practice buttons (Listen, Practice Writing, Practice Speaking) on every line.
Exercise 1 of 4
Complete the Sentence
如果小偷盗用你的____，你的卡会立即受到保护。
You are protected instantly if a thief misuses your credit card.
Example Sentences for 信用卡 (16)
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1
如果小偷盗用你的信用卡，你的卡会立即受到保护。
rú guǒ xiǎo tōu dào yòng nǐ de xìn yòng kǎ， ， nǐ de kǎ huì lì jí shòu dào bǎo。
You are protected instantly if a thief misuses your credit card.
