credit reference是什么？

Our bank encourages you to contact more than one credit reference prior to making any credit decision.

银行发回来的对帐单回复下面的一段话。。。 麻烦知道的朋友说一下什么意思 谢谢哈

Credit Cards Credit suisse educational credit credit rating Credit是什么意思 credit attempted和credit gained是什么意思？？ accept credit 读法 credit都什么意思 FURTHER CREDIT 是什么意思啊 carbon credit是什么？