Shopping, entertainment and other daily consumption. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Credit card overdraft can only be used for daily consumption activities such as shopping and entertainment, and cannot be used for repayment of loans. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.