a bank card refers to an electronic payment card issued by a commercial bank with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank cards are divided into domestic cards and overseas cards according to whether the issuer is in China. "Domestic card" refers to a bank card issued by a domestic commercial bank, which can be used both at home and abroad; "Overseas card" refers to a bank card issued by a foreign-funded financial institution or a foreign-funded non-financial institution established overseas and can be used in China.

credit cards and debit cards are divided according to whether credit lines are granted to cardholders. "Credit card" refers to the bank card issued by the issuing bank to the cardholder, which gives the cardholder a certain credit limit, and the cardholder can spend first and then repay; "Debit card" refers to the bank card issued by the issuing bank to the cardholder, which has no credit limit and the cardholder deposits first and then uses it. Domestic cards are divided into personal cards and corporate cards according to the different issuers. "Personal card" refers to the bank card issued by the issuing bank to individuals; "Unit card" refers to the bank card issued by the issuing bank to enterprises, organs, institutions and social organizations, and authorized by the legal person to use by a specific person.