The Agricultural Bank of China Quick Pass Card is a credit card.

Credit cards, debit cards and savings cards are all bank cards, but they are not separate card types. Bank cards are mainly divided into credit cards and debit cards, and other types of cards are derivatives of these two cards. The debit card itself is a type of debit card.

Credit cards are mainly divided into credit cards and quasi-credit cards. Credit card (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 then repay. A credit card is a credit card in the true sense, with functions such as credit consumption, transfer settlement, and cash deposits and withdrawals. It has the following characteristics: consume first and repay later, enjoy an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Quasi-credit card (SemiCreditCard) means that the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance of the quasi-credit card is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank. credit card.

Debit card (Debit

Card) refers to a bank card that deposits first and then consumes (or withdraws cash) without overdraft function. According to their different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption, etc. It also has many additional functions such as transfer, fund buying and selling, stock trading, payment, etc., and also provides a large number of value-added services. Debit cards can also be used for transfers and withdrawals through ATMs. Overdraft is not allowed, and interest is calculated on the amount in the account based on current deposits.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS.

The differences between debit cards and credit cards are as follows:

1. The consumption methods are different: with a credit card, you can consume first and pay later, but with a debit card, you must have money in the card before you can consume.

2. The card number design is different: the card number numbers of credit cards are all embossed, while most debit cards have flat fonts (of course this is not absolute, many debit cards now also have embossed numbers) ).

3. The marks are different: Some dual-currency credit cards have VISA or Master marks on the front, but none of the debit cards have them.

4. The signature field is different: the signature field of credit cards has 7 digits, while most debit cards do not.

5. The signature dates are different: the front of the credit card has the pinyin of the cardholder's name and the credit card expiration date, while the front of the debit card does not have the pinyin of the cardholder's name, and most debit cards do not have it either. Validity date.