According to different payment methods, credit cards can be divided into credit cards and debit cards. The first one is to spend first and then repay, as follows:

(1) credit card.

That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

(2) Debit card.

It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed. At present, credit cards issued by domestic banks are basically debit cards, but cardholders are allowed to make goodwill, short-term and small overdrafts for consumption purposes. Set different limits according to different card types, repay within the prescribed time limit, and pay interest at the same time. So it is essentially a debit card with certain overdraft function.