Harvest cards of rural credit cooperatives include credit cards (credit cards) and debit cards (savings cards).

credit cards can be overdrawn, but debit cards cannot be overdrawn.

credit cards can't transfer money, but debit cards can.

both cards can be used for online shopping and payment.

Credit Card (credit card generally refers to credit card)

credit card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards are generally special carrier plastic cards with consumer credit, which are 85.6mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, whereby they can shop, spend money and deposit and withdraw cash from banks. The form is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and the card surface has chips, magnetic strips and signature strips.

Credit cards are issued to cardholders by banks or credit card companies according to users' creditworthiness and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will make repayment on the Billing Date. ?

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, within which they can spend first and then repay. Quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

China's relevant laws ("the NPC Standing Committee on <; Criminal Law of the People's Republic of China > The credit card stipulated in the Interpretation of Credit Card Regulations refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

On December 1, 217, the English Translation and Writing Standard for Public Service was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.

Debit card

Debit card refers to a bank card issued by the issuing bank to the cardholder, which has no credit limit and the cardholder deposits first and then uses it. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

a special card is a debit card used in a specific area and for special purposes (other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. 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 requirements, and directly deducts money from the card during the transaction.