A quasi-credit card is a reserve fund that the cardholder has to pay to the issuing bank first. When the reserve fund is insufficient for credit card consumption, overdraft consumption can be made within the credit line granted by the bank. The overdraft consumption interest is calculated from the trading day, and the repayment does not enjoy the interest-free period. In addition, the money deposited in the quasi-credit card will bear interest according to the interest rate of the central bank, and the income can be obtained.
Quasi-credit cards have some functions of credit cards and debit cards.