我认为信用工具就是发放贷款的书面证明。
I think a credit instrument is a written evidence of the extension of a loan.
您知道，所有这些都必须在信用工具上注明清楚。
You know all that must be clearly indicated in any credit instrument.
信用卡是一种消费信用工具，具有方便消费者的特点。
Credit card is a tool of consumption credit, it is very convenient to consumers.
信用卡是一种消费信用工具，具有方便消费者的特点。
Credit card is a tool of consumption credit, it is very convenient to consumers.
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