Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Credit cards can be used to overdraw consumption, that is, we often say "spend tomorrow's money to fulfill today's dreams", and you can also enjoy points and use the discounts provided by the corresponding banks and merchants.

Debit card refers to a bank card without overdraft function that can be consumed (or withdrawn) after deposit. According to their different functions, it can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a debit card used for specific purposes (except for department stores, restaurants and entertainment industries) in a specific area, which has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction. Debit cards are used to save money before consumption and cannot be overdrawn.

Credit card and debit card are two different cards, each with its own advantages. You can have both, and life will be better if you use both.