The functional difference is that credit cards are divided into debit cards and quasi-credit cards. Debit cards do not have overdraft function, and can handle deposit and withdrawal and various settlement transactions. Credit card is a kind of card that can be overdrawn first and then repaid, mainly used for consumption. The bank gives you a certain investment according to your credit rating, and the card fee of credit card is much higher than the annual fee of debit card. Debit card annual fee 10 yuan, credit card annual fee 80 yuan.
If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.