Credit cards include two types: credit cards and quasi-credit cards. They are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit.

A credit card refers to a credit card in which the relevant bank will grant the cardholder a certain credit limit and then allow the cardholder to consume within the limit first and repay later. It is one of the types of credit cards.

After using a credit card for consumption, you need to repay the debt on time to avoid overdue behavior, which will create a bad record for your personal credit report and affect your future life.