Bank cards are divided into debit cards and credit cards. Debit cards are daily pay cards. You have to save money before you can use it. Cannot overdraw. Credit card is a daily credit card. You can pay it back first, and then pay it back without saving money.

So credit card is a kind of bank card.

If you want to repay the loan, it depends on what kind of loan you want to repay. You can only use a debit card to repay the mortgage. Credit card loans can be repaid automatically with debit cards, or you can deposit money on credit cards for bank deduction.