1. Observe the front of the card. Credit cards usually have clear labels, such as credit cards or savings cards. If marked in English, credit card in English, debit card in English.

2. Pay attention to the spelling of pinyin names. Credit cards usually have the pinyin spelling of the cardholder's name, while savings cards usually don't.

3. Check the digits of the card number. The card number of a credit card is usually 16 digits, and the card number of a savings card is usually 19 digits.

4. The information on the back of the check card. Credit cards usually have a 6-digit number with a white signature on the back, while savings cards usually have no numbers on the back.

5. Observe the color and pattern of the card. Some credit cards have special patterns or colors, and merchants can identify credit cards through these characteristics.

The above are some ways for merchants to identify credit cards and savings cards. It is recommended to consult the merchant for details.