1, terms of use: the savings card cannot be overdrawn for consumption, but can only be used after deposit; Credit cards can be spent on deposits without balance, and they can be spent first and then repaid within the credit limit.
2. Function: The main function of the savings card is to store funds, which can be used for transfer, withdrawal and payment. The main function of credit card is to spend in advance and then settle accounts with relevant banking institutions.
3. Deposit interest: savings card deposits have interest; Credit card deposits have no deposit income.