银行卡包括信用卡和借记卡。按币种不同分为人民币卡、外币卡 ,按发行对象不同分为单位卡 (商务卡 )、个人卡 ,按信息载体不同分为磁条卡、芯片 (IC)卡。信用卡按是否向发卡银行交存备用金分为贷记卡、准贷记卡两类 :(1)　贷记卡是指发卡银行给予持卡人一定的信用额度 ,持卡人 Bank cards include credit and debit cards. According to the different types of currency into RMB cards, foreign currency cards, according to the issue of the object is divided into different units card (business card), personal card, according to different information carriers are divided into magnetic stripe cards, chip (IC) card. Credit cards are divided into credit card and quasi-credit card according to whether depositing a standby fund to the issuing bank: (1) The credit card refers to the credit card issued by the issuing bank to the cardholder, and the cardholder