1. Credit cards (consumer credit products) are used after consumption, and debit cards are used after deposit;

2. Credit cards can be overdrawn, but debit cards cannot be overdrawn;

3. Credit cards have revolving credit lines, while debit cards have no revolving credit lines; (Revolving credit refers to the credit line approved by the bank to the cardholder. The cardholder's credit line can be reused without full repayment, and only the specified minimum repayment amount can maintain a good credit record. )

4. If the credit card holder repays in full before the final repayment date, the shopping consumption will enjoy an interest-free repayment period;

5. Credit card deposits do not bear interest, and debit card deposits are calculated at the savings rate;

6. Credit card belongs to asset business and debit card belongs to liability business;

7. The issuance of credit cards must meet the relevant conditions (such as the situation of the work unit, the evaluation of repayment ability, the review of personal credit records, etc.). ), and debit cards only need ID cards;

8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo.

I wonder if the above description will help you? In fact, it always comes down to one sentence: UnionPay cards cannot be overdrawn, and credit cards can be overdrawn in advance. Isn't that much easier to say?