A quasi-credit card is a credit card, and a quasi-credit card itself is a kind of credit card, but a credit card is not necessarily a quasi-credit card, because credit cards are divided into credit cards and quasi-credit cards.

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.

Quasi-credit cards can be overdrawn, but there is no interest-free repayment period for overdrawn funds, and interest is calculated from the day of overdraft, and it must be paid off in one lump sum, with no minimum repayment amount.