Agricultural Bank of China cards, like other bank cards, have many classification methods. Of course, there are many types of cards, far more than the ones mentioned above.

The most common classifications: 1. Debit card, generally called a savings card, can be used to deposit and withdraw cash, transfer, and consume. It cannot be overdrafted and does not require guarantee.

You can apply at the bank counter with your ID card.

There are many types, with slightly different functions.

2. Quasi-credit card, often called credit card within banks, is a combination of credit card and debit card.

There is a certain overdraft limit, and you can withdraw cash in full without interest, and there are no handling fees for local withdrawals.

A mortgage or guarantee is required to apply for a card.

The limit is generally less than 50,000 yuan. Jinsui Huimin quasi-credit card is issued for the rural market, with a maximum limit of 300,000 yuan.

3. Credit card allows for overdraft, and has an interest-free period (consumption overdraft part). Generally, cash can be withdrawn at 30% of the limit. Cash withdrawals require a handling fee and are not interest-free.