The Jinsui Baotong Card you mentioned is a debit card and cannot be overdrawn. Can only be stored before use. In addition, it has all the functions of a bank card, such as online banking, consumption, payment and transfer. This card is easy to handle, as long as you take your ID card to any outlet. Credit card is a credit card issued by Agricultural Bank of China, which can be used for overdraft consumption. The difference is that you can use it first and then return it, but the application procedure is somewhat complicated. It is generally necessary to provide a guarantee. The funds in the card will bear interest according to the current period. In addition, the Agricultural Bank of China issued a credit card, which not only has the function of credit card overdraft consumption, but also can overdraw cash at an appropriate time and charge a handling fee of 1%. The application procedure is similar to that of a credit card, but the funds in this card are interest-free, so don't deposit cash in the card (except repayment), or you will have to collect it when you withdraw cash.