Credit cards are debit cards or quasi-credit cards, because there are two kinds of credit cards: credit cards and quasi-credit cards.

Credit card is a credit card granted by the bank to users, and users overdraw within the credit limit. Support the service of "consumption before repayment". If overdue repayment will affect the credit of the cardholder, the credit card usually used refers to the credit card.

Quasi-credit card is a credit card in which the cardholder deposits a corresponding amount of reserve fund in the issuing bank, and when the consumption amount is insufficient to pay, it can be overdrawn within the credit limit. There is no interest-free period for this card overdraft.