Debit cards are savings cards. It is suitable for deposits, consumption, transfers, purchase of financial products and other businesses, but does not have overdraft function. According to functions, they can be divided into debit cards, special cards and stored-value cards. Debit card integrates transfer, cash deposit and withdrawal and consumption functions; special card provides services for use in designated places and special purposes; stored value card is a bank that transfers funds to the card according to the cardholder's requirements and directly deducts the funds in the card Prepaid wallet debit card.

Credit cards are suitable for consumption and installment payments. It can also be divided into credit cards and quasi-credit cards. Quasi-credit card deposits carry interest and can be overdrawn when the account balance is insufficient, but there is no interest-free period. There is no interest on credit card deposits, and you can overdraft a large amount of money even if you don’t have money on the credit card. There is an interest-free period.