A credit card is not only a certificate for the card issuer to issue revolving credit and provide related services, but also a symbol of the cardholder's creditworthiness, and can be overdrafted. According to the degree of credit extension, credit cards are divided into real credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank. Stored-value cards refer to multi-purpose cards with the nature of electronic wallets issued by non-financial institutions. They are anonymous and cannot be reported as lost, and are suitable for small-amount payments.