1. Debit card refers to a bank card without overdraft function that can be consumed (or withdrawn) after deposit. According to their different functions, it can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which you 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.

3. Gold card, usually called VIP card or VIP card, is made of yellow metal (such as gold plating).

4. Platinum card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks.

5. All corporate enterprises, unincorporated enterprises, institutions and other borrowers who need to apply for loans, handle acceptance bills, letters of credit, credit lines, guarantees and other credit businesses from various financial institutions. , must apply for a loan card to the downtown branch or county branch of the People's Bank of China where its business license (or other valid documents) is registered.