Credit card is a special carrier card with consumer credit issued by banks to cardholders. Credit card issuance needs to comply with relevant regulations. Generally, it is only issued to people with good credit status. Cardholders can spend and withdraw cash within the credit limit, and repay the money on time every month.

Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it. Debit card does not have the attribute of consumer credit, and the application conditions are low. Just take your ID card to the bank counter, and the interest on the deposit in the card is calculated at the current interest rate.

Credit cards are paid after consumption, so there is no need to deposit money in the card, and you can also overdraw it. However, after the stipulated interest-free repayment period, you need to pay interest, and overdue repayment will also affect your credit history.

Debit cards are deposited first and then consumed. You can withdraw money through online banking, POS machines or ATM transfers, but you can't overdraw. Before withdrawing money, be sure to deposit as much as possible. Naturally, there is no such thing as overdue.