Credit cards and bank cards are different. Bank cards include credit cards, check cards, ATM cards, charge cards and Emmanuel cards. The differences between the two are as follows:

1. The functions are different: the main functions of bank cards are deposits and withdrawals, while the function of credit cards is consumption;

2. The validity period is different. The same: the validity period of a credit card is up to five years, while the validity period of a bank card is divided into five years, ten years or even no validity period;

3. The benefits are different: you can save money in a bank card What you earn is interest, but there is no interest when you save money in a credit card; 4. The annual fees are different: most annual fees for bank cards are about 10 yuan, but the annual fees for bank credit cards are as high as hundreds or even thousands.

The credit card application process is as follows:

1. Users first find the bank they want to apply for, and then log in to the bank’s official website to obtain detailed information;

2. After deciding which bank to apply for a bank credit card, users can find time to apply directly to a service outlet. Some banks can also apply on their official websites, and many banks will have application points outside, so users just need to pay more attention;

3. Fill in the relevant information according to the specific guidance of the staff;

4. After filling in the information, submit it to the bank for approval;

5. After passing the review, the credit card will generally be sent by mail. Users can also log in to the official website of the relevant bank to check the progress of card application, or inquire by phone.