Credit card quasi-debit card refers to a credit card in which the cardholder needs to pay a certain amount of reserve fund first, and when the balance of reserve fund is insufficient to pay, the user can spend first and then repay within the credit limit.

After the quasi-credit card overdraws, it needs to pay interest to the issuing bank, and at the same time, it can obtain deposit interest according to the current interest rate announced by the People's Bank of China.

Credit cards, including credit cards and quasi-credit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers.