A bank card is not a credit card.

A credit card is a bank card, which is a financial instrument issued by a bank and has a certain overdraft credit limit. In addition to credit cards, bank cards also include debit cards (savings cards). What people usually call bank cards mostly refer to debit cards. Debit cards do not have the function of overdraft consumption, but can deposit and withdraw cash, transfer settlement, consumption, etc.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will work with the merchant and the cardholder to The cardholder can make an overdraft within the prescribed limit. Credit card, also known as credit card, is a non-cash payment method and is a simple credit service.

Most of the bank cards we usually use are debit cards, which refer to bank cards that deposit first and then consume (or withdraw cash) without overdraft function. Credit cards, also called credit cards, refer to credit cards issued by banks and giving cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. There are also some retail credit cards and travel and entertainment cards issued by commercial institutions. issued credit card.

Cardholders can enjoy an interest-free period of up to 56 days after using their credit card (the regulations of each bank are different). As long as the cardholder repays the loan in full before the final payment date, there is no need to pay anything. Fees, but interest needs to be paid beyond this period; cardholders generally do not need to pay any fees when using debit cards to make purchases, and there is no limit on the repayment period.

If cardholders withdraw the overpayment from their credit cards, they need to pay a handling fee; while when withdrawing cash with a debit card, colleagues in the same city do not need to pay a handling fee.