According to your question above, let me explain it separately:

1, credit cards and savings cards have different uses and functions!

Usage and function: the savings card is used to save money, and it is a cash transaction function based on saving money!

Credit card is a non-cash transaction payment method and a simple credit service. Issued to cardholders by banks or credit card companies according to users' credit and financial resources. The function is that the cardholder does not need to pay cash when using the credit card, and will make repayment on the checkout date.

The annual fees of credit card and savings card are different.

Credit cards are generally free of annual fees in the first year, and annual fees will be charged in the second year, with a minimum of 100 yuan and a maximum of several tens of yuan for savings cards.

3. The relationship between credit card and social security card is: because you can prove that you have a stable job and a stable income through social security card, social security card is a proof that the bank judges the credit score!

4. Advantages of credit card: 1) Cardholders do not need to pay cash when spending by credit card, and make repayment on the checkout date.

2) Easy to use, you don't need to bring cash when you go out, you can swipe your card and withdraw cash!

3) Credit card consumption, points for gifts, and some online shopping discounts.

4) Every credit card will launch various marketing activities every year, such as half-price movie tickets, half-price tourist attractions, and so on.

5) Credit cards are safer than savings cards!

6) A credit card can be used as a savings card, because it contains all the functions of a savings card!

Advantages of savings card: you can save money, the annual fee is cheap, and it will not cause overdraft and overdraft.

It's relatively simple to handle, so you can use it when the time comes!

It is not easy to apply for a credit card. Different savings cards and credit cards require different materials in different situations. The most basic materials are: credit card application form and copy of ID card. According to the situation of the handler, provide the following materials, such as: social security card, payroll, education certificate, work permit, income certificate, etc.

Moreover, it usually takes half a month to apply for a credit card, and the credit card application may not be passed. The bank will score your credit through the supporting materials you provide. If the total score is less than 60 points, you will not pass and your credit card application will fail!

If you want to know more, you can call the service hotline of the bank credit card center to find out!

I hope it helps you!