First, the biggest difference is that if there is no money in the credit card, you can swipe your card or withdraw cash, but the consumption limit is not greater than the credit limit of your credit card; And if there is no money in the savings card, you can't spend and withdraw cash. \x0d\ Second, the credit card must be repaid within a certain period of time after consumption, otherwise interest will still be generated and more money will be paid. If there is no repayment at that time, you can apply for installment repayment, but you need a handling fee. Moreover, there is a handling fee for cash withdrawal, and there is interest every day; The savings card can be used without refund, and there is no handling fee for withdrawal. \x0d\ Thirdly, after the credit card is activated, you must spend 5-6 times a year to avoid the annual fee, which is relatively high; The savings card also has an annual fee of 10 yuan. Whether it works or not, as long as the card has money, the annual fee will be deducted. \x0d\ Fourthly, failure to pay back the money on time after using a credit card will also affect credit. If the money owed to the bank reaches a certain amount, the bank can sue you.