1. It is more difficult to apply for a credit card (debit card) than a savings card. Credit cards (debit cards) need people with stable income and good credit, and savings cards can be applied as long as they have full civil capacity;

2. Credit cards (debit cards) have overdraft function, but savings cards do not;

3. The annual fee of credit card (debit card) is higher than that of savings card, and savings card generally does not need to pay annual fee.

When using a credit card (debit card) for overdraft consumption, if the repayment is not made on time, there will be overdue records, which will affect personal credit information.