the difference between them is that the card issuing organization is different, the scope of application is different, and the account is different.

1. The card issuing organizations are different: the credit card at the beginning of 4 is a card with Visa logo, which is issued by Visa International Organization; The credit card at the beginning of 6 is UnionPay card, which is issued by the People's Bank of China and China UnionPay.

2. Different scope of application: credit cards starting with 4 can be used unimpeded abroad, and credit cards starting with 6 are only suitable for domestic use.

3. Different accounts: the credit card at the beginning of 4 has two accounts, one is RMB account and the other is USD account; The credit card starting with 6 has only one RMB account.