The difference between debit card and credit card is: 1. Different origins: debit card is developed from bank deposit account, and credit card is developed from the concept of overdraft consumption. 2. Different functions: Debit card deposits are interest-bearing and cannot be overdrafted, while credit card deposits are interest-free and can be overdrafted. 3. The nature of the business is different: debit cards use your own money, while credit cards use bank money. 4. Bank profit models are different: debit card banks mainly earn deposit interest differentials; credit card banks mainly earn overdraft interest and handling fees. Bank cards are the collective name for cards issued by banks such as credit cards, debit cards, and credit cards.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS. The main function of a savings card is savings deposits. Cardholders can use the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card to realize card consumption, ATM cash withdrawals, transfers, and various types of payments through the card. The expense is equal to the reduction in the savings account balance. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.

Debit Card refers to a bank card that deposits first and then consumes (or withdraws cash) without overdraft function. According to their different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used for special purposes in a specific area (purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Credit Card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: Billing Date).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.