1. savings card (second-class bank card): a savings card is a card bound to a bank savings account, which is used to access funds in personal savings accounts. The savings card can be used for withdrawal, deposit, transfer, payment and inquiry, but there is no credit line.

2. Credit card: A credit card is a payment card with a credit limit, which allows the cardholder to borrow money for consumption within a certain period of time, and then repay it before the due date of the bill. Credit card holders can spend within the credit limit, and if they repay in time, they can avoid interest and late fees.