It's all wrong. Credit cards and debit cards are not the same concept at all. Corresponding to a debit card, it should be a credit card. Debit cards are debited first and then credited, while credit cards are credited first and then debited, which is the essential difference. Note: The cards with overdraft and deposit interest issued in China in the early days belong to the "quasi-credit card" with dual functions of debit card and credit card, which is rare now.