1. Different characteristics
1. Deposit card
Deposit card fees mainly include annual fee, small account management fee, loss report fee, new card processing fee, Cash withdrawal fees (including local inter-bank, non-local inter-bank, non-local inter-bank, overseas ATM, Hong Kong and Macao), transfer fees (including non-local inter-bank, non-local inter-bank, local inter-bank, overseas wire transfer), online banking transfer fees (including non-local local bank) , inter-bank inter-bank in different places, inter-bank local, overseas remittance).
2. Credit card
Pre-depositing cash is not encouraged. Spend first and repay later. You enjoy an interest-free repayment period and can repay in installments (with a minimum repayment amount). Join VISA , Master Card, JCB and other international credit card organizations so that it can be used globally.
2. Different functions
1. Savings card
The main function of a savings card is to save deposits. The cardholder uses the electronic payment network established by the bank and the card exchange. It has magnetic stripe reading and manual password input, which can realize card consumption, ATM cash withdrawal, transfer, various payment and other functions. Expenses paid through the card are equal to the reduction of the savings account balance.
2. Credit card
1) Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.
2) You can enjoy discounts when using the card at the bank's designated merchants.
3) Accumulate personal credit and add integrity records to your credit files.
4) It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.
3. Different types of cards
1. Deposit card
Deposit card is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS.
2. Credit card
Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.
Baidu Encyclopedia-Debit Card
Baidu Encyclopedia-Credit Card