Most bank cards are UnionPay cards, and all credit cards are UnionPay cards.

Cards issued by banks with the UnionPay logo are commonly referred to as "UnionPay cards". In fact, they are bank cards, which only indicate that they can conduct inter-bank transactions through the UnionPay network;

Bank cards (UnionPay cards) are divided into debit cards and credit cards. A debit card is a general savings card, and a credit card is a card that can be overdrafted.

If you use a lot of credit cards, it is recommended to use a professional credit card management tool, such as Jujindou.com, which can provide repayment reminders, avoid fees, etc.