The differences between credit cards and bank cards include different functions, different validity periods, different annual fees, different interests, different overdraft conditions and different consumption patterns.

1. Different functions: bank cards can be used for deposit and withdrawal, consumption, wealth management, etc. Generally, deposits are made before consumption; The function of credit card is relatively simple, mainly consumption, which can be consumed first and then repaid, so credit card is also called debit card;

2. Different validity periods: bank cards have a long validity period, usually five to ten years or even indefinite use; The service life of a credit card is generally five years;

3. The annual fee is different: the annual fee for bank cards is mostly more than ten yuan; The annual fee of credit card can reach several hundred yuan or several thousand yuan;

4. Interest is different: there is interest on deposits in bank cards, but interest is not calculated on deposits in credit cards;

5. The overdraft situation is different: credit cards can be overdrawn, but debit cards cannot be overdrawn;

6. Different consumption patterns: Credit cards are consumer credit products, which can be used after consumption, while debit cards are used after deposit.

do you charge by credit card?

there is no need to pay any fees for handling credit cards through formal channels. As long as you bring all the supporting materials needed for the application to the bank, or submit your personal data and information to apply online. There is no charge for applying for a credit card online or going to the counter to apply for a credit card. After applying for a credit card, an annual fee is basically charged. However, the annual fee is generally deducted directly from the cardholder's bill.