1. Bank card type: Debit card: Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. The amount in the card is calculated and paid according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

2. Credit card: Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

3. Quasi-credit card: Quasi-credit card is a single-currency single-account credit card, which bears interest on deposits and consumes RMB by swiping the card. It has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.