1: Debit Card refers to a bank card that deposits first and then consumes (or withdraws cash) without overdraft function. According to their different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used for special purposes in a specific area (purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

2: Credit card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Main difference: Generally, debit cards do not support overdrafts. But credit cards are different, they have this overdraft function. The overdraft function is still very helpful for temporary urgent needs, but if you are afraid that you cannot control yourself and overdraft blindly, it will cause some unnecessary troubles. It is still necessary to learn to consume rationally.