First, the biggest difference is that if you don’t have any money in your credit card, you can still use the card to make purchases or withdraw cash, but the consumption limit is not greater than your credit card credit limit; while if you don’t have any money in your debit card, you can’t make purchases or withdraw cash. \x0d\ Second, after using a credit card, you must pay back the money consumed within a certain period of time, otherwise interest will accrue and you will have to pay back more. If you cannot pay back at that time, you can apply for installment repayment, but a handling fee will be required. . Moreover, cash withdrawals also require handling fees, and there is interest every day; you don’t need to pay back the money you spend on the debit card, and there are no handling fees for cash withdrawals. \x0d\ Third, after the credit card is activated, you must spend 5-6 times a year to be exempted from the annual fee, and the annual fee is relatively high; the savings card also has an annual fee, which is 10 yuan per year. Regardless of whether you use it or not, as long as there is money in the card Annual fees will be deducted. \x0d\ Fourth, if you cannot pay back the money on time after using your credit card, it will also affect your credit rating. If the money you owe the bank reaches a certain amount and is not repaid, the bank can sue you.