Explanation of special terms for credit cards: Bank cards: Bank cards refer to credit payment instruments issued to the society by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. . Credit card: A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and then repay. Quasi-credit card: A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank. Debit card: A debit card refers to a credit card that deposits first and then consumes (or withdraws cash) without overdraft function. According to different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card: A debit card is a debit card that debits money in real time. It has transfer settlement, cash deposit and withdrawal and consumption functions. Special purpose card: A special purpose card is a debit card that has a specific purpose and is used in a specific area. It has transfer settlement, cash deposit and withdrawal and consumption functions. Note: Special purpose refers to purposes other than department stores, catering, restaurants and entertainment industries. Stored-value card: A stored-value card is a prepaid wallet-style debit card in which the card-issuing bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions. Co-branded/approved cards: Co-branded/approved cards are bank card ancillary products jointly issued by commercial banks and for-profit institutions/non-profit institutions.