The difference between debit card and credit card is as follows:

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

2. Credit cards can cycle credit lines. China's card-issuing banks generally give cardholders an interest-free period of up to 60 days, and the credit limit of cardholders is approved according to their credit status. Debit cards have no revolving credit limit.

3. Credit cards are unsecured and unsecured loans. Debit cards are not.

4. Credit cards are usually short-term, small-sum, 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 and settlement, collection and payment, deposit and withdrawal, bank withdrawal, online shopping and so on. Debit cards can only be used for deposit and withdrawal, transfer and online shopping.

Debit card, that is, savings card, refers to a bank card without overdraft function. According to their different functions, it can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

Second, Credit Card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards are divided into credit cards and quasi-credit cards. 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.

3. 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. Credit cards generally refer to credit cards.

Extended data:

Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions.

Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

References:

Debit card? Baidu encyclopedia credit card? Baidu baike