Credit card: Real-name registration system is needed, which is easy to generate interest on arrears. Prepaid card: real-name registration system registration is not required, and there is no deposit interest. (2) Application scenario Credit card: Personal use is convenient, you can overdraw or installment, and there are even various credit card preferential activities. Prepaid card: it is convenient for gifts or personal use, but few people buy prepaid cards themselves and throw them away without any burden. (3) Card issuers' credit cards: A series of services need to be maintained, such as debt collection, risk analysis, card replacement at maturity, etc. There are many things that card issuers need to do, and there is no good profit model for credit cards at present. Prepaid card: there are relatively few services to be maintained, and you can cancel the card directly after swiping it, but the cost of using the card is higher; It is easy to form a large amount of precipitation funds. (4) Law and supervision of credit cards: At present, it is mainly about risks and the amount of consumer arrears, and the law and the central bank do not impose restrictions. Prepaid card: At present, it is stipulated that prepaid cards cannot be invoiced, and the amount of prepaid cards is limited.