Just look at the difference between credit cards and quasi-credit cards. The main difference between \x0d\ quasi-credit card and credit card is that \x0d\ (1) quasi-credit card deposits bear interest (calculated at the current interest rate), while credit card deposits do not. \x0d\ (2) Quasi-credit cards do not enjoy an interest-free repayment period, while credit cards can enjoy an interest-free repayment period of 25 days at the shortest and 56 days at the longest. \x0d\ (3) Credit limit: RMB 5,000 for quasi-credit card and RMB 0/0000 for gold card/kloc. Credit card depends on the applicant's credit standing. \x0d\ (4) Peony Credit Card installment payment service is only available to individual customers of Peony Credit Card. Quasi-credit cards cannot be used for installment payment \x0d\ (5) Deposits can be transferred. However, if there is no deposit in the card, you can use the credit card limit overdraft to transfer to Peony Credit Card through the counter quasi-credit card, but you can't transfer the overdraft to Linksys card. The overdraft transfer of RMB credit cards in China shall not exceed 2,000 yuan per day. Operating rules of online banking: quasi-credit cards do not support overdraft transfer. Operation of ATM: When peony quasi-credit card transfers money to Tongling card through ATM, the credit line cannot be used. However, the quasi-credit card can be converted into peony credit card through overdraft credit card limit. If it is overdraft transfer, the quasi-credit card cannot exceed the overdraft ratio. \x0d\ (6) The overdraft period of Peony quasi-credit card is 60 days from the bank bookkeeping date, and the overdraft part is charged at the daily interest rate of 0.5 ‰. If it is not returned for more than 60 days, it will be deemed overdue.