A debit card is not a credit card. It mainly refers to a bank card that has no credit limit and cannot be overdrafted. The cardholder must first deposit before spending. The difference between debit card and credit card is:

1. The consumption method is different. Debit card deposits first and then consumes, while credit card allows you to consume first and then repay;

2. Processing The thresholds are different. For a debit card, you need to bring your ID card to the bank to apply for it. After completing the procedures, you can get the card. For credit cards, you need to pass the qualification review before the bank will issue the card.