Debit cards are also savings cards. Under normal circumstances, the cardholder's money is deducted from his bank account, and the cardholder spends the money in his account without credit consumption. Credit card is also called "credit card", and "credit" means "future payment". Cardholders can use their own reputation to obtain a certain period of circulating credit from the issuing bank, and cardholders borrow money from the issuing bank to pay bills once a month. The essential difference between credit card and debit card lies in the difference between "loan" and "debit".

Credit card-people usually call it a credit card. Its main function is a small overdraft loan, and the bid must meet certain conditions. The size of the overdraft balance is determined by the bank according to the applicant's personal credit situation. "Capital" mainly refers to the applicant's assets and stable income, and "capital" determines the cardholder's repayment ability; "Credit" mainly refers to the credit status of the cardholder, and the change of the cardholder's credit status also determines the change of the credit overdraft loan amount granted by the bank. Credit cards are mainly used for consumption and cash withdrawal.