Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

The fast card processing and credit card application options on Alipay are to provide online credit card application services for those in need. This is a convenient and quick way to apply for a credit card, but if the application is successful, I must go to the bank outlet where the credit card belongs for a face-to-face interview, otherwise it will not be activated.