These are two different types of cards. The savings card is your own money. Spend whatever you want. The money in the credit card is temporarily lent to you by the bank, so you need to pay it back within the specified time. Otherwise, there will be high interest and late fees. At the same time, it affects your personal credit history. In the future, mortgage, car loan and other businesses related to bank loans will be greatly affected. So these two cards are not interchangeable.