Debit cards and credit cards in banks are two common cards in our daily lives. These two cards are also different in terms of definition and use. The two are different in many aspects such as printing methods, card numbers, digits, laser, and anti-counterfeiting. Debit cards are only used to store and withdraw cash, and make purchases. Credit cards are a type of debit card, but they have the characteristic of spending first and paying later. Debit cards can be used for cash deposits and withdrawals, consumption and shopping

In our lives, most people go to the bank to apply for a card and get a debit card. The debit card itself is an ordinary savings card. For investors, they must first deposit before they can spend money. Debit cards are divided into special cards, stored-value cards and individual cards. When used, they have the ability to transfer, deposit and withdraw cash or to Ordinary consumption and shopping functions, nothing more. Credit cards can be used to consume first and then change cards, and use credit to consume

Credit cards are also called credit cards. They can be divided into two categories: credit cards and quasi-credit cards, that is to say, The first is to save more money in your credit card, and you can make advance purchases first, and then repay. The second is to use your own credit to make purchases, and then pay back the corresponding amount at the end of the month and redeem it. Take your own credit. The other one is the starting number of the credit card, starting with 4 and 5, and the card must have a laser anti-counterfeiting label. You can make an overdraft when using your credit card. The credit card on the list is a typical asset business. Basically, you don’t have to benefit from it, you just need a signature. The difference between debit cards and credit cards: the printing method, card number digits, and cardholder name are different

The difference between debit cards and credit cards is that the printing method itself is different. Debit cards have flat-printed card numbers, while credit cards, except for the vertical credit card, have gravure-printed card numbers. There is also a big difference between the two in terms of the number of digits in the card number. Debit cards usually consist of 16 or 18 digits, while credit cards usually have 15 or 16 digits. In terms of the cardholder's signature, debit cards, except VIP, are all prepaid cards. The cardholder does not need to have a name, while the credit card itself is a post-card and requires the cardholder's name. A reservation is required at the bank. There are also differences between the two cards in terms of overdrafts, credit limits and business methods

In terms of overdrafts, credit cards and debit cards can be used for overdrafts, while debit cards themselves cannot be used for overdrafts in the credit limit. , the credit card itself has a recurring limit based on the card limit, but the debit card itself does not. In Jixi's way, the deposit on the credit card itself does not accrue interest, but after the deposit is made on the debit card, whether it is a current or fixed term, it will Interest is calculated based on the interest rate. The two are also different in terms of business methods. The former is an asset business, while the latter is a typical liability business. There is no need to set a password when applying for a credit card, only a signature is required, while the debit card itself must have a password. When used normally, debit cards can participate in relatively few bank promotions, while credit cards can participate in more.

In short, credit cards and debit cards are different in terms of how they are used and their credit limits. When using them, you should pay attention to the fact that you can consume first and repay later with a credit card, but you cannot Cash out easily, don't always use the lowest limit to make repayments, and don't use your credit card as a debit card, otherwise your credit will be overdrafted, which will have a great impact on your personal credit report.