Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash.

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When you pay by credit card? When the balance of the cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the prescribed limited credit limit, and charge a certain interest. There is no interest-free repayment period.

Extended data:

The universality of bank card networking refers to that the institutions operating bank card business use their own network system, terminal equipment, special merchants and technical services to connect with the inter-bank information exchange system of bank cards to realize the universality of bank cards. ?

Networked bank card holders can make cross-bank withdrawals at the ATM of any networked bank, spend money at any networked POS, and withdraw money and spend money across regions. ?

At present, bank card users can withdraw cash and spend money across banks. In other places, as long as the local bank posts the "UnionPay" sign, cardholders can withdraw cash and spend money across regions. ?

If the cardholder withdraws money in the same city or in different places, the bank will charge no more than 2 yuan's handling fee (excluding the cross-regional handling fee for withdrawing money in different places). ?

Baidu encyclopedia-bank card