准贷记卡

就国内信用卡而言，主要有贷记卡和准贷记卡两种形式，后者不允许在没有事先存款的情况下进行消费，但是允许有较低额度的透支。

In terms of the domestic credit , mainly credit card and two forms of quasi-credit card , which is not allowed without prior consumer deposits circumstances , but allows a lower limit of the overdraft .

与准贷记卡不同，贷记卡并无所谓最长透支期限问题。

Not the same with quasi-debit card , debit card has no problem of the furthest deadline .

在现行法律环境下，在刑法领域信用卡应当涵盖借记卡、贷记卡和准贷记卡。

Under circumstances of current laws , Credit Card covers debit cards , credit cards and quasi credit cards in criminal law .

为了更好地界定本文的核心概念信用卡，本文从货币与信用卡发展演进的角度确定了信用卡的内涵与外延，并明确本文所研究的信用卡指的是贷记卡与准贷记卡。

In order to better define the core concept of this paper that is credit card , from the development perspective of the evolution of the money and the credit card , the paper give the definition of the credit card .