1. Usage: Debit cards must be deposited before they can be used, while credit cards allow consumption before repayment.

2. Overdraft function: debit cards have no overdraft function, that is, they cannot consume or withdraw money without deposits; Credit cards provide overdraft function, allowing cardholders to spend first and then repay within a certain credit limit.

3. Interest calculation: Debit card deposits usually bear interest at the deposit rate, while credit card deposits usually do not.

4. Credit limit: Credit cards usually have revolving credit limits, while debit cards don't.

5. Functions and uses: Debit cards are mainly used for deposit and withdrawal, transfer and shopping; In addition to credit loans, credit cards also include functions such as cash deposit and withdrawal, transfer, payment settlement, collection and payment, and universal deposit and withdrawal.

6. Card number length: The card number of debit cards is usually 17 digits or 19 digits, and that of credit cards is usually 16 digits. Debit card is more like a savings tool, mainly used for deposit and withdrawal and consumption, while credit card is a credit tool, mainly used for overdraft consumption.