2. Credit cards include: credit cards and quasi-credit cards. A credit card is what we usually call a credit card. Actually, it's just a kind of credit card. You can overdraw, there is no interest on saving money, and there is a charge for withdrawing money (ICBC and Minsheng don't accept it). The longest repayment period is 56 days and the shortest repayment period is 25 days. During this period, no interest needs to be paid. Interest will be paid if the repayment period is exceeded.

Quasi-credit cards are actually the same as loans. Interest must be paid for overdrafts, and the interest is five ten thousandths (per day). But there is interest on saving money.