Quasi-credit card is actually another name for a credit card issued by a bank. It refers to a credit card that 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. However, the interest of quasi-credit card overdraft funds needs to be calculated from the overdraft date, and ordinary credit cards have no interest-free period.

If the user fails to pay the reserve fund when applying for a quasi-credit card, he needs to provide a guarantor to the bank. Users who deposit quasi-credit cards can get corresponding interest according to the bank's current interest rate.