Although the functions of credit cards and ordinary debit cards overlap, credit cards cannot be used as debit cards. \x0d\ Credit cards cannot be used as debit cards for the following reasons: \x0d\ 1. Savings cards have financial management functions, such as opening stocks and fund accounts, but not credit cards; \x0d\ 2。 In addition, savings card deposits have interest, and credit card deposits have no interest; \x0d\ 3。 Savings card withdrawals are free in most cases, while credit card 1 withdrawal requires a handling fee, regardless of peers or banks, local or off-site.