A debit card is a substitute for a passbook, which is equivalent to your identification for handling business in a bank. And your money is equivalent to the money directly in it. You can only use it if you have money, and you can't overdraw if you don't have money. Annual fee of savings card 10 yuan, with a small management fee.
Credit card is the medium of credit consumption, which avoids carrying a lot of cash with you, ensures the safety of cash in a certain sense, and is more convenient for credit card consumption. The international practice is that you only need to sign your name, but it is generally encrypted in China. Of course, this function can also be used to swipe debit cards. The difference is that the credit card sends you a repayment period account as a bill, asking you to change the consumption amount before the agreed repayment date. Therefore, spending by credit card means that the bank pays the bill for you first, which is an overdraft consumption. This poses a potential danger. If consumers overdraw their spending without controlling their spending power, they may not be able to repay the money when it is due, which will lead to credit stain. If personal credit is not good, there will be problems in applying for loans in the future. Of course, it is beneficial to use a credit card when confirming your ability to pay.
Last year, due to the high risk of bad debts caused by college students' credit cards, major banks stopped issuing cards to college students. You have to ask the customer service of CCB whether Tianjin will issue prestige dragon cards to students. If you can, you should provide your ID card and student ID card. General credit cards need to provide proof of income level.