Rural commercial banks have credit cards, and the use of credit cards in rural commercial banks is the same as that in other banks.

Credit cards are divided into credit cards and quasi-credit cards: credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, within which they can spend first and then repay;

A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. 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.