1. White card: White card refers to a standard credit card, also known as ordinary credit card or ordinary card. It is a credit product issued by banks or credit card companies to ordinary consumers. White cards have low annual fees, interest rates and quotas, and provide some basic special offers and benefits.

2. Black card: Black card refers to high-end luxury credit card, also known as elite card or special card. Black card is issued to high-income people or people with high financial capabilities.