1, different in nature: installment cards will automatically be used for installment when the cardholder's consumption reaches the specified amount, and then the cardholder can repay in installments according to the bill; Ordinary credit cards will not be automatically phased, and cardholders need to take the initiative to propose staging to the issuing bank. 2. Different amount: The amount of installment cards is generally high, mostly starting from100000 yuan, while credit cards are approved according to grades. The better the cardholder's comprehensive personal qualification, the higher the quota.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.