Credit card. According to the classification of the People's Bank of China, bank cards are divided into first-class cards, second-class cards and third-class cards. First-class cards refer to debit cards, used for deposits and payments; second-class cards refer to quasi-credit cards, which have some Credit function, you can overdraft but need to pay off the balance on the bill date; Class III cards refer to credit cards, which have complete credit function, can consume according to a certain credit limit, and pay off or repay in installments on the repayment date, so Credit cards and debit cards processed by the same bank, the credit card is a second-category card.