Bank card classification: \x0d\ (1) Bank cards are divided into credit cards and debit cards \x0d\\x0d\ Credit cards are further divided into credit cards and quasi-credit cards. \x0d\\x0d\Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. \x0d\\x0d\ A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank. \x0d\\x0d\ (2) Debit cards are divided into transfer cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. \x0d\\x0d\The debit card has the functions of transferring money, depositing and withdrawing cash, and spending money. \x0d\\x0d\Specialized cards are debit cards used in specific areas and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). They have the functions of transferring funds, depositing and withdrawing cash. \x0d\\x0d\Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's request and deducts money directly from the card during transactions.