中文：

信用卡是一种常见的支付工具，它允许持卡人在消费时先消费后还款，并具有一定的透支额度。根据不同的分类标准，信用卡可以分为多种类别。

根据信用卡的发行机构不同，可以分为银行信用卡和非银行信用卡。银行信用卡是由银行发行的，通常与银行账户相关联，持卡人可以在银行柜台、网上银行、ATM机等渠道使用。而非银行信用卡则是由其他金融机构或商业机构发行的，如信用卡公司、百货公司、航空公司等，这些机构通常会与多个银行或其他机构合作，提供更加多样化的支付方式。

根据信用卡的信用额度不同，可以分为普卡、金卡、白金卡等不同级别。普卡的透支额度较低，通常在1万以下，而金卡和白金卡的透支额度较高，分别在1万至5万和5万以上。不同级别的信用卡在申请时所需的条件和资料也不同，一般来说，级别越高所需的条件和资料也越多。

此外，根据信用卡的功能和用途不同，还可以分为借记卡、贷记卡、储值卡等不同类型。借记卡是一种先存款后消费的信用卡，持卡人需要在账户中存入一定的资金才能使用。贷记卡则是一种可以先消费后还款的信用卡，持卡人可以在信用额度内先消费，然后在还款日之前还款即可。储值卡则是一种可以在任意消费场所使用的预付卡，持卡人可以在卡内充值一定的资金，然后在消费时直接刷卡即可。

总的来说，信用卡的类别多种多样，不同的类别有着不同的特点和用途。在选择信用卡时需要根据自己的需求和情况选择适合自己的类别。

英文：

Credit card is a common payment tool that allows cardholders to consume first and pay later, and has a certain overdraft limit. There are many types of credit cards, which can be classified into different categories based on different classification criteria.

According to the issuing institutions of credit cards, they can be divided into bank credit cards and non-bank credit cards. Bank credit cards are issued by banks and are usually associated with bank accounts. Cardholders can use them at bank counters, online banks, ATMs, and other channels. Non-bank credit cards are issued by other financial or commercial institutions, such as credit card companies, department stores, airlines, etc. These institutions usually cooperate with multiple banks or other institutions to provide more diverse payment methods.

According to the credit limit of credit cards, they can be divided into different levels such as ordinary cards, gold cards, platinum cards, etc. The overdraft limit of ordinary cards is usually lower than 10,000 yuan, while the overdraft limit of gold cards and platinum cards is higher, ranging from 10,000 to 50,000 yuan and more than 50,000 yuan, respectively. Different levels of credit cards require different conditions and materials when applying for them. Generally speaking, the higher the level, the more conditions and materials required.

In addition, according to the functions and purposes of credit cards, they can also be divided into debit cards, credit cards, and stored-value cards. Debit cards are credit cards that allow cardholders to deposit funds before using them. Cardholders need to deposit a certain amount of funds into the account to use them. Credit cards are credit cards that allow cardholders to consume first and repay later. Cardholders can consume within the credit limit and repay the amount on the repayment date before it expires. Stored-value cards are prepaid cards that can be used at any consumption场所. Cardholders can recharge a certain amount of funds into the card and use it directly when consuming.