Different properties, different functions, etc.

1. Different natures: consumer cards are a type of stored-value card. They are one-time cards with a fixed consumption limit. There is no need to repay after using the consumer card for consumption. A credit card is granted a certain limit by the bank. Within the limit, the user can overdraft consumption and then repay it within the time specified by the bank.

2. Different functions: consumer cards have functions such as storage, transfer and transaction. Credit cards have functions such as consumer payments, loans, cash withdrawals, and transfers.