1. Different functions: The main function of a savings card is to store funds. A credit card can handle all the functions of a debit card. The main function of a credit card is to consume in advance and then settle with relevant bank institutions;

2. Different application methods: a debit card can be opened with a valid ID card. Credit cards generally require filling out a credit card application;

3. Different categories;

4. Different conditions of use.

1. The appearance difference between credit cards and debit cards: On the front of the credit card, there is the cardholder’s name and pinyin, as well as the card’s validity period and card number are also embossed. There is also VISA or VISA on the front. Master's mark, credit card security code and cardholder's signature on the back of the card.

Deposit card, as you can see from the name, has a savings function, but its functions are relatively few. You can think of it as a junior version of a debit card, or you can think of it as the previous version. That kind of passbook has limited functions. It basically only has deposit, withdrawal and transfer functions, but no other functions.

2. Credit cards are divided into credit cards and quasi-credit cards. A credit card is a commonly used credit card. A quasi-credit card is also a type of credit card. However, it must meet certain conditions before it can be used as an overdraft. Generally, the cardholder is required to deposit a certain amount of funds before the card can be swiped. For consumption, if the deposited funds are insufficient, you can overdraw the credit limit, but there is no interest-free period for this overdraft part. From the moment of consumption, the bank will charge interest on a daily basis.

3. Debit cards are divided into debit cards, special cards and stored-value cards. Debit cards have many functions, among which debit cards have the functions of transferring money, depositing and withdrawing cash, and spending; special cards are cards used exclusively in certain specific areas, and they also have the functions of transferring money, depositing and withdrawing cash; stored-value cards It is a card used by users for financial transactions. For example, when you want to make a financial investment, the bank will transfer the user's funds to the stored-value card, and then directly deduct the money from the stored-value card during the transaction.