It is not a small loan, but a quasi-credit card is a kind of credit card. The cardholder needs to deposit a certain amount of reserve fund first. When the balance of the reserve fund account is insufficient to pay, the card can be overdrawn within the credit line.

Quasi-credit card has some functions of credit card and debit card. The cardholder can make a small overdraft within the approved limit when shopping, but the overdraft amount will bear interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is usually no interest-free repayment period and minimum repayment amount. Its basic functions are transfer settlement and shopping consumption.