Bank cards include credit cards and debit cards. A credit card is just a type of bank card. In terms of appearance, debit cards and credit cards have the following differences:

1. Most debit cards do not have the pinyin of the name, while credit cards have the pinyin of the holder's name;

2 , usually the card number and name of the credit card are pressed out in three-dimensional characters, while the debit card is usually printed;

3. Many debit cards will indicate on the front of the card: debit card/savings Card;

4. Many banks have specialized brands, such as ICBC’s “Peony Money Link Card”, Pudong Development Bank’s “Oriental Card”, etc., which can be recognized at a glance.

5. There are usually "notes" on the back of the card, which often indicates what type of card it is.

6. Most debit cards do not have international settlement functions, so they only have the "UnionPay" logo; while most credit cards are currently dual-currency or foreign currency cards with the logos of international card organizations such as VISA or MASTERCARD.

In addition, debit cards deposit money first and then spend it, which means that the card can be used only if there is money in it, but cannot be used if there is no money. A credit card is a debit card that allows you to make small purchases and then save money. Its main function is to use it as an overdraft. You can swipe your card in a shopping mall for consumption as long as it does not exceed the credit limit. As long as you remember to repay when due, it can be considered as using future money. However, it is recommended not to withdraw money from ATMs because handling fees and of interest.

In terms of applying for a card, a debit card is easier than a credit card. Generally, a debit card can be applied for when you are 16 years old, and a credit card requires someone to evaluate the repayment ability of the person applying for the card. , which means you must have a regular job and be over 18 years old, but the systems of each bank are different