1. Sunshine card is a savings card, which belongs to a kind of debit card. There are two types: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters, and to make consumption at networked POS.

2. Credit card, also known as debit card, is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can repay it on the billing date.

3. The Sunshine Card cannot be owed. You only need to bring your ID card to the bank's business outlets, and there is no need for risk control review.

4. The credit card can be overdrawn, and the card can be opened only after it has been approved by the risk control.

Extended information:

(1) Consumption methods are different: credit cards have a certain credit limit, and cardholders can spend first and then repay within the credit limit; However, the payment made by the debit card holder is the money deposited by the cardholder in the bank, and there is no credit consumption.

(2) The fees are different: credit cards enjoy an interest-free payment period (up to 56 days) and have a minimum repayment amount. Customers can repay their overdraft by installments. Once the credit card exceeds the interest-free repayment time, it will charge a high interest, usually five ten thousandths of the daily interest (depending on the bank). Debit cards, because they consume their own money, will not generate such expenses when they consume.

(3) Use is different: debit cards are used in all sales outlets that accept credit cards. When using debit cards, the amount will be automatically deducted from the bank account instead of being included in the credit line. Credit cards are only supported where credit cards can be used.

China Everbright Bank Credit Card _ Baidu Encyclopedia