Credit card is a kind of credit card. Generally speaking, quasi-credit card and credit card are both credit cards, but the credit card defined in the early days is limited to quasi-credit card. As quasi-credit cards have gradually faded out of the market, the current credit cards generally refer to credit cards. Credit cards are divided into credit cards and quasi-credit cards according to whether they deposit reserve funds with the issuing bank.

the difference between a credit card and a quasi-credit card:

1. A credit card is a credit card, which only has the credit function, that is, the loan has an interest-free period and does not have the debit card function. If you deposit more money, you will have to pay a handling fee. Quasi-credit card has the functions of both credit card and debit card. Quasi-credit card requires customers to keep a certain reserve fund. When using the credit function, there is no interest-free period, and a handling fee of five ten thousandths of the consumption amount is charged every day, counting from the date of consumption. However, it also has the function of debit card. Like debit cards, there is no handling fee, but compared with other conventional debit cards, it has an additional credit function, so it is called a quasi-credit card.

2. You can't tell the difference between a credit card and a quasi-credit card from the card face. One of the simpler ways is to call the bank customer service and ask directly. The second is to spend a sum. If interest is generated the next day, it is a quasi-credit card, or if you withdraw a sum without interest, it is also a quasi-credit card.