Debit cards are not actually credit cards. Debit card is actually a kind of "save first and spend later" bank card. When using a debit card, you can transfer money, deposit and withdraw cash (with interest), and spend money by credit card. But you can't overdraw. In addition, credit card is a mode of "spending first and then repaying". Credit card consumption, overdraft withdrawal, deposit (interest-free), etc. can be made without deposit, but the money needs to be returned to the bank after consumption.

Usually, their main functional differences are:

1, debit card deposits have interest, but credit cards don't.

2. Credit cards can have revolving credit lines. Usually, the card-issuing bank in China will give cardholders an interest-free period of up to 60 days. The cardholder's credit limit is approved according to his credit status, while debit cards have no revolving credit limit.

3. Credit cards support unsecured loans, but debit cards do not.

Generally speaking, credit cards are short-term, small-amount and non-designated credits, while debit cards are always available.

5. In addition to credit loans, credit cards also have the functions of cash deposit and withdrawal, transfer, payment settlement, collection and payment, deposit and withdrawal, bank withdrawal, online shopping and so on. Debit cards can only deposit and withdraw money, transfer money, shop online, etc.