ABC Debit Card: A physical medium payment tool issued by ABC, and overdraft is not allowed. Jinsui Debit Card is used in People's Republic of China (PRC) and other designated countries and regions. Credit card: refers to a credit payment tool issued by Agricultural Bank of China, which gives cardholders a certain credit limit, within which they can spend first and then repay, and enjoy an interest-free period for a certain period of time, with the functions of consumer credit, cash advance and so on.