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What's the functional difference between a traffic credit card starting with 6 and a traffic credit card starting with 5?
The initials indicate that the participating credit card organizations are different, including 6 from China UnionPay, 5 from MasterCard and 4 from Visa.

The functions are basically the same. Common credit card organizations are MasterCard, Visa and UnionPay. As long as the POS machine has this credit card organization logo, you can swipe this card.

MasterCard and Visa are mostly used overseas, and now UnionPay can also be used in many places overseas.