1. Debit card is a kind of credit card. The card bank gives the cardholder a certain credit line, in which the cardholder "consumes first and then repays". Quasi-credit cards need to deposit a certain amount of reserve money before they can be used.

2. Credit cards have an interest-free period after consumption, and interest does not need to be paid for repayment during the interest-free period, while quasi-credit cards have no interest-free period and need to pay interest after use.

3. The money saved in the credit card will not calculate interest, and there will be no income, while the quasi-credit card will bear interest according to the interest rate announced by the central bank, which will have certain income.