Credit card and visa card are two different cards. Credit card is a lending tool, which can be used for borrowing and spending, while visa card is a means of payment, which can be used for online shopping and overseas payment. Credit cards usually require users to provide credit records to apply, while visa cards can be purchased through bank cards or other means.

There are also obvious differences in the scope of use between credit cards and visa cards. Credit cards can usually only be used by merchants who cooperate with banks, while visa cards can be used worldwide, and millions of merchants in more than 200 countries and regions around the world can use them.

When applying for a credit card, you usually need to provide personal information and credit records, while when applying for a visa card, you only need to provide some basic information, such as name and address. Because credit cards are more risky, banks will conduct more rigorous examination on the identity and credit of credit card applicants, while the examination of visa card applicants is relatively simple.