Speaking of credit cards and bank cards, I believe everyone is familiar with them. We often use them in our daily lives. So do credit cards and bank cards mean the same thing?

Are credit cards and bank cards the same thing?

Credit cards and bank cards are different. The main difference between credit cards and bank cards lies in their different scopes. Credit cards are a type of bank card, and bank cards mainly include credit cards and debit cards. There are three main types of bank cards: debit cards, credit cards and quasi-credit cards. Credit cards spend money first and then pay back, so they are also called credit cards; ordinary bank cards save money first and spend later, so they are called debit cards.

The main function of a bank card is to save money, withdraw money or manage finances, etc.; the main function of a credit card is consumption, and the cardholder can consume first and then repay.

Most credit cards are valid for five years, while bank cards are valid for 5 years, 10 years or even indefinitely.

You can apply for a bank card as long as you have an ID card. It is generally used for saving money, saving first and spending later. There is a small administrative fee. On the contrary, when applying for a credit card, you need certain proof of work, proof of financial resources and other conditions before you can apply. It cannot be done casually.