The difference between the two is as follows:

Visa Debit Card is a payment instrument directly linked to the cardholder's bank account. When cardholders use their Visa Debit Card to make purchases, the payment amount is deducted directly from their bank account balance. Therefore, the use of Visa Debit Card is based on the cardholder's own funds and does not involve borrowing or credit.

A credit card is a lending tool. Cardholders can use the credit card for consumption within a certain credit limit. Unlike debit cards, the payment amount of a credit card is not directly deducted from the cardholder's account balance, but is advanced by the card-issuing bank. The cardholder needs to repay the balance within the repayment period, otherwise interest and penalties will be incurred.