The difference between bank credit certificate and credit certificate is

1. Bank credit certificate refers to a credit loan certificate provided by the bank to the customer to prove that the customer has a certain credit record and repayment ability to obtain loan support from banks. Bank credit certificates usually include the customer's basic information, credit rating, repayment record and other information. The credit certificate refers to a credit certificate document provided by the bank to the customer to prove the customer's credit status and credit record. It usually includes the customer's basic information, historical credit record, repayment record and other information. Credit certificate is usually the result of a bank's comprehensive assessment of a customer's credit status, and is an important reference for customers when applying for loans, credit cards, letters of credit and other businesses at the bank.

2. The validity periods of bank credit certificates and credit certificates are also different. Bank credit certificates are generally valid for one year, and you need to reapply after expiration. The validity period of credit certificates is generally long-term and can always be valid.