Debit cards and credit cards are the most common bank cards in our daily lives. So what is the difference between the two? What is a debit card? What is a credit card? What are the differences and precautions in use? What about the matter? Hualv.com will introduce it to you in detail below. What is a debit card? A debit card is an ordinary savings card. You can only deposit money first and then spend money. You cannot overdraw. Debit cards can... If you want to know more about the difference between debit cards and credit cards, follow the editor of Hualv.com and take a look.

1. What is a debit card?

A debit card is an ordinary savings card. You can only deposit money first and then spend it. Overdraft is not allowed. Debit cards can be divided into loaded cards, special cards and stored-value cards. Debit cards generally have functions such as transfers, cash deposits and withdrawals, and consumption and shopping.

2. What is a credit card?

Credit cards are also called credit cards and can be divided into two types: credit cards and quasi-credit cards. With a credit card, you can generally make purchases first and then change the card.

3. What is the difference between debit card and credit card?

1. Different printing methods: debit card has flat printing card number, while credit card has embossed card number except for vertical printing;

2. The card number has different digits: 16 or 18 digits for debit card, 15 or 16 digits for credit card;

3. Different numbers at the beginning: 9 must be debit card, 3 must be , 4 and 5 must start with a credit card (except for China Construction Bank cards and VIP cards of various banks);

4. Laser anti-counterfeiting signature: Most debit cards do not have laser anti-counterfeiting signatures, but credit cards must have laser anti-counterfeiting signatures;

5. Cardholder name: Debit cards, except VIP cards, are all pre-made cards without the cardholder’s name, while credit cards are post-made cards with the cardholder’s name;

6. Different ways of consumption: Debit cards can only deposit money first and then spend money, while credit cards can make money first and then repay;

7. Overdrafts: Credit cards can overdraft, but debit cards cannot;

8. Credit limit: Credit cards have revolving credit limits, but debit cards do not;

9. Interest calculation methods are different: Credit card deposits do not accrue interest, and debit card deposits calculate interest based on the savings rate. ;

10. Different business methods: credit cards are asset businesses, and debit cards are liability businesses;

11. Password: Credit cards do not need passwords, as long as they are signed; debit cards must require passwords ;

12. Bank activities: There are many discounts for credit cards, but there are no discounts for debit cards.

IV. Things to note when using credit cards

Credit cards can be cashed out, and you can spend money first and repay later. Therefore, it is often the case that large amounts of credit card use lead to inability to repay. When using a credit card, be sure to pay attention to the following precautions:

1. Do not cash out easily: Many cash out methods are not subject to the law. In addition, too high a cash out amount may lead to the inability to repay the loan. Therefore, you should think twice before applying for a loan;

2. Don’t always use the minimum repayment amount: Although the minimum repayment amount is small, you will not be able to enjoy the interest-free period, and you will have to pay a certain amount of interest. If you have many credit cards and frequently use the minimum repayment amount, the interest will increase in the end;

3. Don’t use credit cards as debit cards: Deposits and withdrawals from credit cards are often due to A fee will be charged for overpayment. The so-called overpayment refers to the funds that credit card customers overpay when repaying or the funds deposited in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. So don’t deposit or withdraw money from your credit card.