First of all, the conditions for handling cards are different. As long as the savings card has valid identity documents, the credit card needs to meet higher requirements: it must be 18 to 70 years old and have full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit.

Secondly, the function of the card is different. The main function of a savings card is to save money. The deposit bears interest on the savings card, and the money in the card can be transferred out. Credit cards are mainly used for overdraft consumption or cash withdrawal, and deposits have no interest. After overdraft, you need to repay on time, otherwise you will have late fees and interest, which will affect your credit record. And even if there is a lot of money on the card, it can't be transferred out.

In addition, credit cards must be used for some transactions, such as hotel reservations. Some transactions can only be made with a savings card.