Debit card refers to the bank card issued by the issuing bank to the cardholder without 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 that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and 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.

Extended data:

Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also be divided into the following categories:

1, which is divided into magnetic stripe card and chip card according to different information carriers;

2. According to whether the issuer is in China, it is divided into domestic cards and overseas cards;

3. According to the different issuing banks, it is divided into personal cards and unit cards;

4. Account can be divided into RMB card, foreign currency card and dual currency card according to different currencies.

Reference: Baidu Encyclopedia-Debit Card Baidu Encyclopedia-Zhongyuan Bank Baidu Encyclopedia-Bank Card