Debit card refers to a bank card that deposits first and then consumes. It has functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption, etc. It does not have the function of overdraft consumption. Debit card deposits will also calculate interest based on the current period, and no handling fee will be charged for cash withdrawals.

Credit card refers to a bank card that consumes first and repays later. It has functions such as credit consumption, transfer settlement, cash deposit and withdrawal, micro-credit, etc. It also has the function of overdraft consumption. There is no interest on credit card deposits, and a certain handling fee will be charged for cash withdrawals.