1, different ranges. Credit cards are divided into credit cards and quasi-credit cards; Credit card is a kind of credit card.

2. Quasi-credit cards can only be used if they pay a certain reserve fund to the issuing bank. When the payment funds are insufficient, the credit line can be overdrawn; Credit cards can be overdrawn directly with the credit line, and there is no need to pay the reserve fund.

3. Quasi-credit card deposits in credit cards bear interest at the current interest rate; Credit card deposit is called overpayment, and there is no interest.

4. There is no interest-free period for the overdraft part of the quasi-credit card; Credit card overdrafts have an interest-free period.