Currently, credit cards refer to bank credit cards issued by banks. Based on your credit record, a personal bank card allows you to overdraft first and then repay. Shopping cards are generally stored-value cards issued by merchants, which are stored in Money can only be spent at designated merchants. Some money can be thrown away after use, and some can be recharged after use. Now there are also merchants and banks issuing co-branded cards, which offer discounts when spending at designated merchants, and at the same time have some functions of a credit card