Debit card refers to a modern financial payment tool provided by banks to cardholders, and there is no credit line. According to different functions, it can be divided into transfer card, special card and stored value card. Debit cards can meet the needs of cardholders such as personal savings deposits, payroll, shopping consumption, transfer and remittance. The difference between debit card and credit card: different origins, different functions, different business nature and different bank profit models.

Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.