The difference between the two lies in different functions, different terms, different interest rates, different annual fees and different consumption methods.

1. Different functions: The main functions of bank cards are cash deposits and withdrawals and financial management, while credit cards are mainly for consumption, and cardholders have the right to use them first and repay later;

2. Different periods: bank cards can be used for five years, ten years or even forever, while credit cards have a validity period of about three to five years;

3. Different interest rates: on bank cards Depositing money in a bank card can earn interest, but a credit card will not generate income;

4. Different annual fees: the annual fee of a credit card is higher than that of a bank card;

5. Consumption The methods are different: with a bank card, you deposit money first and then spend it, while with a credit card, you spend money first and then pay it back.

Can I still use my credit card after it expires?

All credit cards have a certain validity period. After the certain validity period, the credit card can no longer be used. If you want to use your credit card again, you can apply for a new credit card with the bank through the customer service phone or go directly to the bank's business branch, and you can continue to use the new credit card later.

Changing your credit card does not mean that your credit card limit will be adjusted. If you frequently use your credit card and maintain a good repayment record, you can proactively apply to the bank for repayment after six months.