Bank cards are divided into credit cards and debit cards. Credit cards are also divided into credit cards and quasi-credit cards. The following is the detailed information of bank cards:

1. Debit card is a credit instrument issued by the card issuer to the society. It has functions such as transfer settlement, cash deposit and withdrawal, shopping, and consumption. Most of the salary cards my friends use are debit cards.

2. Quasi-credit card is also a kind of credit card with "Chinese characteristics", which was created when China's credit mechanism is imperfect. Its emergence and development have laid a foundation that cannot be ignored for the popularity of credit cards. A quasi-credit card combines some of the features of a credit card and a debit card. A deposit or guarantor is generally required. When using it, you can deposit it for consumption first, and the interest payment will be calculated after depositing. When shopping, you can make a small overdraft within the limit approved by the issuing bank, but interest will be calculated on the overdraft amount from the date of overdraft. The debt must be paid off in one lump sum, with no interest-free repayment period or minimum payment amount.

3. Credit card, which is what we often call a credit card in a narrow sense, is a payment card that provides consumer credit to cardholders. Cardholders can "buy first, settle later, and pay later" without depositing money at the card-issuing bank. The core features are credit sales and revolving credit. Typically, card issuers send statements to cardholders once a month. Cardholders can choose to repay the bill within a certain grace period after receiving the bill without paying interest, pay a portion of the account, or only repay the minimum amount with interest added later.

There are also the following types of bank cards:

According to different information storage media, they can be divided into magnetic stripe cards, chip cards and composite cards with magnetic stripe and chip memory. ;

According to different payment methods, it can be divided into credit cards, quasi-credit cards and debit cards;

According to different settlement currencies, it can be divided into foreign currency cards and local currency cards;

According to the account currency, it can be divided into single currency card, dual currency card and multi-currency card;

According to different affiliations, it can be divided into main card and secondary card;

According to the different objects of issuance, it can be divided into corporate cards (organization cards, business cards) and personal cards;

According to the credit status and credit status of the cardholder, it can be divided into platinum cards, gold cards and ordinary cards;