The biggest difference between debit card and credit card is that credit card can be overdrawn, but debit card can't. In addition, a debit card can be opened in a bank at any time, but when you apply for a credit card, you must provide the salary certificate of your work unit, and then the bank will have to review it, but generally you can pass the review as long as your financial resources are ok.

Debit card refers to a bank card without overdraft function that can be consumed (or withdrawn) after deposit. According to their different functions, it can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a debit card used for specific purposes (except for department stores, restaurants and entertainment industries) in a specific area, which has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.