Deposit cards and credit cards are two different types of cards. Bank cards are divided into credit cards and debit cards, and credit cards are divided into credit cards and quasi-credit cards. Debit cards are ordinary savings cards, which are current deposit accounts and can be used for consumption, ATM deposits and withdrawals, etc.; credit cards can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that they can be overdrafted (with a certain credit limit). / Credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank. / Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions. / The following are the differences between the two cards: / 1. A credit card (consumer credit product) consumes first and then repays, while a debit card deposits first and then uses it; 2. A credit card can be overdrafted, but a debit card cannot be overdrafted; 3 .Credit cards have a revolving credit limit, while debit cards do not have a revolving credit limit; (Revolving credit is the limit that the bank has approved for the cardholder to use. The cardholder does not need to repay the full amount of the debt used within the limit, but only the specified amount. With the minimum repayment amount, you can maintain a good credit record and reuse the cardholder's credit limit.) 4. If the credit card holder repays the amount in full before the final payment date, the credit card holder will enjoy interest-free repayment for shopping purchases. period; 5. Credit card deposits do not accrue interest, and debit card deposits are calculated based on savings interest rates; 6. Credit cards are asset businesses, and debit cards are liability businesses; 7. Credit card issuance must meet relevant conditions (such as the situation of the work unit, repayment ability assessment, personal credit record review, etc.), the debit card only needs to have an ID card; 8. Credit cards have anti-counterfeiting logos and UnionPay logos, while debit cards only have UnionPay logos.