Differences in application methods, functions, usage conditions, etc.

1. Differences in application methods: Deposit cards can be applied for with valid ID, while credit cards require filling out relevant applications.

2. Functional differences: Deposit cards are mainly used to store funds, while the main function of credit cards is to consume in advance.

3. Differences in terms of use: Debit cards must be recharged before consumption, while credit cards can be used in advance.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. The main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS. A credit card is an electronic payment card issued by a commercial bank or other financial institution. It has functions such as consumer payment, credit loan, transfer settlement, and cash deposit and withdrawal. Credit cards usually contain information such as the name of the issuing bank, expiration date, card number and cardholder name printed on the front, and a magnetic stripe and signature strip on the back. Credit cards are divided into personal cards and corporate cards. They are divided into different categories according to credit rating, such as gold cards, ordinary cards and platinum cards. There are also RMB cards, international cards or dual-currency cards distinguished by currency.