The differences between credit cards and chip cards are as follows:

1. Chip cards have higher security. Chip cards have built-in chips that can encrypt and store users' personal information, making them more difficult to steal than traditional magnetic stripe cards. However, unlimited network credit cards usually only have a magnetic stripe, which is relatively low security.

2. The chip card supports more functions. Chip cards can support a variety of transaction methods, such as contactless payment, mobile payment, etc., while unlimited network credit cards usually only support swiping purchases.

3. Unlimited online credit cards are more suitable for overseas consumption. Infinite network credit cards usually have an international credit card logo and can be used worldwide, while chip cards require international chip standards to be used overseas.