The properties are different and the difficulty of processing is different.

1. Different properties. Bank cards include debit cards, credit cards, quasi-credit cards, etc.; credit cards are credit cards and are a type of bank card.

2. The difficulty of handling is different. Applying for a bank card is very simple. As long as the user has an ID card, there is no need for bank review. Generally, the card can be applied immediately. However, when applying for a credit card, you need to bring your ID card and be over 18 years old. The bank also needs to consider the applicant's income and family. Due to factors such as circumstances, it is more difficult to apply.