Credit card is a type of credit card, and the two are included and contained.

Credit cards can be divided into two categories: credit cards and quasi-credit cards, depending on whether you need to pay a deposit to the card-issuing bank. Among them, credit cards do not require depositing a deposit in advance, and the bank directly gives you a certain amount of credit. A credit card with a credit limit.

Nowadays, the credit cards that people apply for at banks are generally debit cards. There is no need to deposit money into it. You can directly overdraw for consumption and pay off the balance before the repayment date.

What is the difference between ICBC's credit card and credit card:

1. ICBC's credit card can be overdrafted, but interest will be calculated on the day of overdraft; credit card can be overdrafted, but there is no interest rate. period;

2. ICBC credit card deposits have interest, but credit card deposits have no interest;

3. ICBC credit card is a type of credit card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Model for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".