Credit card types are different. Credit card means that the credit limit of credit card account is provided by the bank, and the cardholder needs to repay on time, while quasi-credit card means that the credit limit of credit card account is determined by the cardholder's own deposit, and the bank only provides a guarantee once, and the cardholder also needs to repay on time. Therefore, the recording methods of the two credit cards in the credit report are different.