1. Postal Flash is a national debit card product issued by Postal Savings Bank, so it is a savings card. This debit card product enjoys all the financial service functions of the Postal Savings Bank's standard green card IC card, including deposits and withdrawals, purchase and financial management, payment settlement, binding repayment, portable consumption and other functions. It is worth mentioning that the biggest feature of the postal flash card is the introduction of LED technology into the card design. The LED light source of the card will be lit when the card is swiped offline for payment.

2. In addition to the basic debit card functions of Postal Bank’s flash cards, the bank also provides users with card application and card usage gifts. If users want to apply for this card, they can go directly to a Postal Savings Bank outlet with their personal ID card to apply. This card is free of production fees, small account management fees and annual fees.

There is an essential difference between a savings card and a credit card. A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS. Credit cards refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. The basic differences are as follows:

1. Function: Generally, debit cards do not support overdrafts. Credit cards have an overdraft function. The overdraft function is still very helpful for temporary urgent needs, but blind overdraft will cause some unnecessary troubles. It is still necessary to learn to consume rationally.

2. Application conditions: It is very simple to apply for a savings card. As long as you have an ID card, you can go to the bank to apply. Not all credit card applications are approved. The bank will evaluate the applicant's comprehensive situation, such as income level, social security, deposits, assets and a series of factors. The main purpose is to confirm that you have the ability to consume and repay, so it is generally difficult to apply for it if you have no financial foundation.

3. Credit impact: You can deposit and withdraw freely. Each consumption and overdraft through the debit card is your own, and the debit card has no overdraft function. Credit cards are different. Each month has a billing date and a final payment date. If you repay overdue, it may be recorded on your personal credit report, which will have a great impact on your future credit life.

4. Annual fee: Nowadays, almost many banks charge an annual fee for their savings cards, usually ranging from 10 yuan. Of course, banks have also launched savings cards that do not require annual fees. The annual fee for a credit card is as high as tens of yuan or one or two hundred yuan, but as long as you swipe the card a few times in a year, you can be exempted from the annual fee for the next year.

5. Application conditions: It is more difficult to apply for a credit card than a debit card. Applying for a credit card requires proof of employment and social security payment, but for a debit card you can apply as long as you have civil capacity.