Work card is not a credit card. Work card is generally a debit card, which can be used as long as there is money in the account. Debit cards and credit cards are corresponding concepts. The main differences between the two are as follows:

1. Different definitions: Credit cards are issued to cardholders by banks or credit card companies based on the user’s creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card, and will repay on the bill date; a debit card refers to a bank card that deposits first and then consumes (or withdraws cash) without an overdraft function;

2. Different usage methods : A credit card is a credit card, which can be consumed first and then repaid, while a debit card is a savings card, which must be deposited first and then used, and cannot be overdrafted;

3. Is there any difference in interest: There is no interest on credit card deposits, and there is no interest on borrowing. The demand deposit on the card will be calculated as current interest, and the time deposit will be calculated as regular interest;

4. Whether it affects the cardholder's credit is different: overdue credit card bills will be charged penalty interest, and will affect personal credit, debit There will be no bills on the card, and personal credit will not be affected by outstanding bank card fees.