Bank cards include credit cards and debit cards, and credit cards are just one type of bank card.

1. Credit card

Credit card, also called credit card, is a non-cash payment method for transactions. It is a simple credit service. A credit card is issued by a bank or credit card company according to the user's request. The credit and financial resources of the card are issued to the cardholder, which can be used to shop and consume from special units and deposit and withdraw cash from the bank. The form is that the name of the issuing bank, validity period, number, cardholder name and other contents are printed on the front, and there is a magnetic strip on the back. , signature strip. Cardholders do not need to pay cash when making purchases with a credit card, and will pay back on the bill date.

2. Savings card

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. Its main function is to make deposits and withdrawals at networked ATM machines and counters, and to make purchases at networked POS. Debit cards are used to deposit and withdraw money. There is interest income from deposits in the card, but there is no income from overpayments in the credit card.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.