Credit card refers to a credit card, which is a card that can be used for personal credit loans (generally credit cards are UnionPay cards); and UnionPay card is a general term, and any card that can withdraw cash across banks can be called a UnionPay card. Moreover, you need to pay a handling fee for inter-bank cash withdrawals, which is usually 1% of the amount of each transaction (it is not inconvenient). Generally, deposit cards are the most common.