In fact, LZ's quasi-credit cards also include combination cards, such as the Great Wall RMB credit card issued by Bank of China (except the People's Bank of China in Beijing/Shanghai/Guangzhou and other cities) and the "Blue" card of China CITIC Bank, both of which have the functions of savings account and credit card. The savings account and the credit card account are under the same card, the savings pays the savings interest, and the credit card consumption is paid from the credit card account. But compared with the standard credit card, this card has the following advantages: first, the amount is low; Second, credit card consumption has no interest-free period or the interest-free period is very short. Generally, it is required to repay within the next day or three days after the credit card is swiped (transferred from the savings account), which has no advantage. Therefore, banks still push the standard credit card (credit card)-you can save money by only having a debit card, and you can also have twice as many cards (let you have a debit card and a credit card). Why not?