A credit card has been a common thing in our daily life today. Almost everyone has one, but most of us don't get happy since we applied for our first credit card. The credit is not based on how kind and honest you are. It really means the ability of repaying the money you loaned from the card before. You need to repay the loan on time to prove that you are honest. This makes many people not to be honest. They apply for credit cards in different banks in different dates. In that case，some of them use one credit card to repay another credit card which makes them feel exhausted, because they have to thinking of how to balance their credit cards to make sure each of them can be repayed on time. The worest thing is that most people even don't know where the money from credit cards spend on. If you lose your credit, the law will punish you by limiting your consumption , such as taking planes. Nowadays, credit cards have been evolved to be E-cards on your smart phone. You can purchase anything anytime with your E- credit cards. Of course, the notification about reminding you repay your credit cards later sounds awkward!