Credit card is the reserve fund deposited by the issuing bank, which is divided into two categories: credit card and quasi-credit card. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay; Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank; Debit cards are divided into transfer cards (including savings cards), professional cards and stored value cards.

When handling credit cards, there are debit cards because banks are purely related to repayment for the convenience of users.