Bank card is a credit payment tool issued by commercial banks and other financial institutions and postal savings and remittance institutions to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank cards include debit cards and credit cards, and credit cards we often say belong to the category of credit cards.

Debit card is a bank card issued by the issuing bank to the society, which deposits first and then consumes (or withdraws cash) without overdraft function. According to different functions, it can be divided into transfer card (including savings card), special card and stored value card.

Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. Credit cards generally refer to credit cards.

A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Second, the difference between credit card and savings card

Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card.

Credit card is a non-cash transaction payment method, a simple credit service and a credit card.

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