1, the concept is different, China credit card refers to the credit certificate issued by China Bank to eligible consumers; Quasi-credit card refers to a credit card that the cardholder needs to deposit a certain amount of reserve fund first, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank;

2. The functions are different. China credit card can be used for overdraft without deposit. Quasi-credit card has some functions of credit card and debit card, and its basic functions are transfer settlement and shopping consumption.

3. Interest is different, and China credit cards can have an interest-free period; Quasi-credit cards have no interest-free repayment period, and interest is calculated from the day of overdraft.