Hello, after reading your question, I won't copy and paste it for you. You can look at official website's World Travel ic Card column, which has a detailed introduction to this kind of card. Let me express my personal views in the following points:

1, the card is divided into contact consumption mode and non-contact consumption mode, the former is credit card consumption, and the latter can be consumed by sticking the card on the pos machine. Chips are generally used by ATMs, and few pos machines support card insertion consumption.

2. This kind of card needs money, that is, there are two accounts, namely, a credit account and an electronic account. The latter can only be used after the former is transferred to a credit line at a cash machine and other channels, that is, it needs money to use the flash payment function. When using an electronic account, the maximum overdraft is 1000 yuan.

If you don't understand, you can ask me or ask for help. If you are satisfied, please adopt it.