Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit limit and overdraft, and provide relevant banking services for the cardholder.

Credit cards can be divided into two types, namely credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can overdraw within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.