To distinguish Agricultural Bank of China’s savings cards and credit cards, we can start with their basic features and functions. The core feature of a savings card is that it is permanently valid and is engraved with the name of the cardholder rather than a signature. The card number is usually 19 digits and requires pre-deposit before consumption. Each consumption directly uses your own savings.

In contrast, credit cards are different. It has validity period and cardholder name information, and the card number is usually 16 digits. The function of credit card is more flexible. The bank will give the cardholder a certain credit limit, allowing you to consume within the limit and then repay. You usually enjoy an interest-free period of 25 to 50 days. In this way, you can regard it as a temporary loan service provided by the bank when funds are tight. As long as you repay it within the repayment period, you do not need to pay interest.

Credit cards also have more benefits and conveniences. For example, you can accumulate points by swiping your credit card for purchases, and the points can be exchanged for gifts or air miles; some credit cards have discounts when spending at designated merchants, such as ICBC credit cards, which regularly update preferential information; and many credit cards have more flexible annual fee-free policies, only It may take a few card swipes to reach the free standard, while debit cards require an annual fee of 10 yuan per year.

Finally, if you hold an international card such as VISA or MasterCard, you can use it directly when going abroad without exchanging foreign currency in advance. The exchange rate is calculated in real time, which greatly facilitates international transactions. Therefore, both debit cards and credit cards have their own advantages, and which one you choose to use depends on your spending habits and needs.