Charge cards American Express and Diners Club are less widely accepted than credit cards and the interest-free settlement period is shorter but there is no pre-set spending limit.

• 记账卡美国的运通卡和大莱卡则不像信用卡那样广泛地被接受，而且无息结算期也比信用卡短，但记账卡没有预先设定的花费上限。