The analysis is as follows:

1. Debit cards (magnetic stripe cards) generally have no validity period, while chip cards display two dates; credit cards will display the validity period below the card number in the format XX/XX (month/year).

2. Debit cards generally have 19 digits; credit cards have 16 digits.

3. Credit cards usually have a 7-digit number on the right side of the signature column on the back of the card; debit cards do not. Extended information

1. Credit Card (CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

2. The main function of the savings card is savings deposits. Cardholders can realize card consumption, ATM cash withdrawals, and transfers through the electronic payment network established by the bank and the magnetic stripe reading and manual password entry of the card. , various types of payment and other functions, the expenses made through the card are equal to the reduction of the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Debit Card