There are essentially only two types of bank cards: 1, credit card (credit card), and 2, savings card (debit card). Generally speaking, credit cards can be overdrawn, but there is no interest on deposits. Debit cards cannot be overdrawn, but deposits have current interest. Debit card is similar to deposit discount, but it is more about credit card consumption and the functions of deposit and withdrawal, transfer and inquiry at ATM. Personal bank cards can also operate fixed activity mutual transfer on ATM.

There is no difference between a debit card and a credit card, only whether it needs to be overdrawn. It is not recommended for college students to apply for credit cards, which may easily lead to card slaves and may lead to bad credit records. In addition, banks no longer handle credit cards for students. Even if it can be handled, it is zero, not as good as a debit card.