Each has its own advantages. Savings cards cannot be overdrawn. Credit cards can be used first and then returned. There is a certain interest-free period, usually 48-56 days. Of course, it is more convenient now, that is, two cards are integrated. For example, Ping An Bank has the functions of both a savings card and a credit card, which is quite convenient. Automatically enter the deposit account when saving money, and automatically enter the credit card when spending. Then on the last repayment date, as long as your deposit account has money, the system will automatically help you pay back the money, which is very convenient.