_isaA credit card is a credit card that can be overdrawn, that is, it is used to spend first and then repay. There is no interest on deposits, and there is a handling fee for withdrawals. Used for credit card consumption. Visa Gold Card is a VIP card for customers with assets of 50,000 yuan of China Merchants Bank, that is, a savings card. Deposit bears interest, which can be used for fixed term, demand, national debt, wealth management, funds, online banking, etc. The handling fee is 50% off. The former is for consumption and the latter is for saving money.