The difference between credit card and debit card and its use.

First, refer to different

1. Credit card: Credit certificate issued by commercial banks or credit card companies to qualified consumers.

2. Loan card: Where corporate enterprises, unincorporated enterprises, institutions as legal persons and other borrowers need to apply for loans from various financial institutions, and handle credit businesses such as acceptance bills, letters of credit, credit granting, letter of guarantee and guarantee, they must apply to the central branch or county branch of China People's Bank where their business licenses (or other valid certificates) are registered.

Second, use different methods.

1. Credit card: Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

2. Loan card: The magnetic stripe card issued by the branch of China People's Bank to the borrower or guarantor for the enterprise credit information system is the qualification certificate for the borrower to apply for credit business or the guarantor to provide guarantee.

Third, the characteristics are different.

1. credit card: it is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and it will be repaid on the billing date.

2. Loan card: the code and password of the loan card are recorded, which is the certificate for commercial banks to log in to the "enterprise credit information system" to inquire about customer credit information. Getting a loan card does not mean that customers can get a bank loan immediately, but depends on whether the credit status of the enterprise meets the requirements of the loan bank.

Baidu encyclopedia-credit card

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