A debit card is a debit card, and a credit card is a credit card. The differences between debit cards and credit cards are:\x0d\1. Different origins: debit cards are developed from bank deposit accounts, while credit cards are developed from the concept of overdraft consumption. \x0d\2. Different functions: Debit card deposits have interest but cannot be overdrafted, while credit card deposits have no interest and can be overdrafted. \x0d\3. The nature of the business is different: debit cards use your own money, while credit cards use bank money. \x0d\4. Bank profit models are different: debit card banks mainly earn deposit interest differentials; credit card banks mainly earn overdraft interest and handling fees.