Credit cards originated from credit consumption (i.e. credit consumption) and were invented by consumer merchants in the United States. In the United States, not only banks issue credit cards, but also merchants, such as GE, Wal-mart, etc. In China, only banks can issue credit cards. So "credit card and bank credit card are not the same thing", it depends on where you say it.

Electronic payment cards include cards for saving money and cards for credit consumption. They can be issued by merchants or banks, which is consistent at home and abroad. Cards used to deposit money for consumption have no credit, so they are not considered "credit cards".

So the concept in your handout that "broad credit cards refer to all electronic payment cards" is not rigorous enough.