<form id="cardTypeFrm">
  <table width="100%" cellspacing="0" cellpadding="0" class="table_pzh">
    <tbody>           
      <tr>
        <th class="f14 tr pc1">用户名：</th>
        <td>
          <input type="text" class="pzh_input1" id="userName" name="userName" />
        </td>
      </tr>
      <tr>
        <th class="f14 tr pc1">密码：</th>
        <td>
          <input type="text" class="pzh_input1" id="passWord" name="passWord" />
        </td>
      </tr>
    </tbody>
  </table>
  <p class="pc2 undis pl50 error pa" style="padding-left:118px;margin-top:-10px;" id="card_next_error">错误信息</p>
  <div class="m20 tc">
    <input type="submit" id="submitCardNo" class="define_button reservation_1" value="登陆" />
    <input type="button" value="取消" class="close_button closePzh ml10" />
  </div>
</form>

$(function() {
      initCardTypeFrmValidate()
      })

function initCardTypeFrmValidate() {

  $('#cardTypeFrm').validate({
    onkeyup : false,
    onfocusout : false,
    rules : {
      userName : {required : true}
      passWord : {required : true}
    },

    messages : {
      userName : {required : '请输入用户名'}，
      passWord : {required : '请输入密码'}
    },
    errorElement : "p"
  });
}

<form id="cardTypeFrm">
  <table width="100%" cellspacing="0" cellpadding="0" class="table_pzh">
    <tbody>           
      <tr>
        <th class="f14 tr pc1">用户名：</th>
        <td>
          <input type="text" class="pzh_input1" id="userName" name="userName" />
        </td>
      </tr>
      <tr>
        <th class="f14 tr pc1">密码：</th>
        <td>
          <input type="text" class="pzh_input1" id="passWord" name="passWord" />
        </td>
      </tr>
    </tbody>
  </table>
  <p class="pc2 undis pl50 error pa" style="padding-left:118px;margin-top:-10px;" id="card_next_error">错误信息</p>
  <div class="m20 tc">
    <input type="submit" id="submitCardNo" class="define_button reservation_1" value="登陆" />
    <input type="button" value="取消" class="close_button closePzh ml10" />
  </div>
</form>

$(function() {
      initCardTypeFrmValidate()
      //优化代码
      $('#cardTypeFrm').submit(function() {

        if ($('#cardTypeFrm').valid()) {
          //通过执行的动作
        }
        return false;//永远禁止页面表单提交
      })
  })

function initCardTypeFrmValidate() {

  $('#cardTypeFrm').validate({
    onkeyup : false,
    onfocusout : false,
    rules : {
      userName : {required : true}
      passWord : {required : true}
    },

    messages : {
      userName : {required : '请输入用户名'}，
      passWord : {required : '请输入密码'}
    },
    errorElement : "p"
  });
}