什么是准贷记卡？

中文版：

准贷记卡是一种特殊的银行卡，它与传统的信用卡和借记卡有所不同。准贷记卡的特点是，持卡人可以在卡内余额不足的情况下进行透支消费，但需要按照规定的时间还款，否则会产生利息或滞纳金。因此，准贷记卡既具备了信用卡的透支功能，又保留了借记卡的存款功能。

准贷记卡的申请条件相对较为宽松，通常不需要像信用卡那样提供繁琐的申请资料和担保。同时，准贷记卡的额度一般也比信用卡低，适合那些信用记录不够完美或消费需求不高的人群。

准贷记卡在日常消费中具有一定的便利性。例如，当持卡人的账户余额不足以支付购物款项时，可以通过准贷记卡的透支功能来完成支付。然而，需要注意的是，准贷记卡的透支额度有限，且需要按时还款，否则可能会产生额外的费用。

英文版：

What Is a Prepaid Credit Card?

A prepaid credit card is a special type of bank card that differs from traditional credit cards and debit cards. The key feature of a prepaid credit card is that cardholders can make purchases even when the balance on the card is insufficient, but they must repay the amount borrowed within a specified period; otherwise, interest or late fees may apply. Therefore, a prepaid credit card combines the overdraft facility of a credit card with the deposit function of a debit card.

The eligibility criteria for a prepaid credit card are generally more lenient, often requiring less paperwork and collateral compared to a credit card. Additionally, the credit limit of a prepaid credit card is typically lower than that of a credit card, making it suitable for individuals with imperfect credit records or lower consumption needs.

Prepaid credit cards offer convenience in daily spending. For instance, when a cardholder's account balance is insufficient to cover a purchase, they can rely on the overdraft facility of the prepaid credit card to complete the transaction. However, it's crucial to remember that the overdraft limit of a prepaid credit card is limited and repayments must be made on time to avoid any extra charges.