1. The credit lines of the two are different. The credit card general card quota is 5 yuan, and the gold card quota is 1 yuan; The credit card limit is determined according to the credit degree of the cardholder.

2. The annual fees are different. Credit card personal general card annual fee 5 yuan, gold card annual fee 1 yuan; The annual fee for credit card is 25 yuan, and the annual fee for gold card is 25 yuan.

3. The deposit interest is different. Credit card deposits bear interest on demand; Credit card deposits have no interest.

4. The interest-free period is different. There is no interest-free period after credit card overdraft; Credit cards have an interest-free period after overdraft.