It is a debit card.

A debit card is equivalent to a savings card. It refers to a bank card with no credit limit that is issued to the cardholder by the card-issuing bank and is used by the cardholder after depositing money. Debit cards cannot be overdrawn. According to different functions, they are divided into three types: transfer cards, special cards and stored-value cards. Generally speaking, debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money.

：

Deposit card

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS. The main function of a savings card is savings deposits. Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, cardholders can realize card consumption, ATM cash withdrawals, transfers, various payment and other functions. Through the card Expenses made equal to the reduction in the savings account balance. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.

Debit card fees

Mainly include annual fees, small account management fees, loss reporting fees, new card processing fees, cash withdrawal fees (including local inter-bank, non-local inter-bank, non-local inter-bank, overseas ATM, Hong Kong and Macao), transfer fees (including local bank, non-local inter-bank, local inter-bank, overseas wire transfer), online banking transfer fees (including non-local local bank, non-local inter-bank, local inter-bank, overseas remittance).

Credit card

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.