1. Different functions and functions:

(1) Savings card: The main function is to save deposits. Cardholders can realize credit card consumption, ATM withdrawal, transfer and various payment functions through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card. The expenses incurred through the card are equal to the reduction of the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero.

(2) Credit card: Credit card has all or some functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

2. Different application methods:

(1) Savings card: with my valid ID card, I can go to any business outlet of the bank. You must open a current account first. The account balance shall not be lower than that of 1 yuan. Non-seal withdrawal account. Non-loss-reporting account, frozen account, and normal account status.

(2) Credit card: generally, the application method is to fill in a credit card application form, and submit certain copies of documents and certificates to the issuing bank. After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank.

3. Different classification:

(1) Savings cards are divided into two types: magnetic stripe and chip.

(2) Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

4. Different conditions of use:

(1) A savings card can only be used if there is a deposit.

(2) Credit cards can be overdrawn without deposit, and they can enjoy an interest-free period of 2-56 days, and the interest on repayment on time is not charged at all (most banks will charge .5% interest on the day of withdrawal, and there is a 2% handling fee).