The difference between credit cards starting with 37 and those starting with 62 is the type of card. According to relevant information, as of March 6, 2023, my country stipulates that BIN numbers starting with "62" are UnionPay cards, those starting with "4" are VISA cards, those starting with "5" are MasterCard cards, and those starting with "35" The ones starting with "37" are JCB cards, and those starting with "37" are American Express cards.