hello, bank cards are divided into credit cards and debit cards (also known as salary cards). If you apply for our debit card and credit card, the main differences are: debit card can not be overdrawn, credit card can be overdrawn. Deposit interest can be calculated for the funds deposited in debit card (no interest is calculated for the funds deposited in the same day), and no interest is calculated for the funds deposited in credit card. If you have any other questions, I suggest you consult "Customer Service Online" /cmu/icslogin.aspx? from=B& logincmu=。 Thank you for your attention and support!