Debit card is a "deposit first, then spend" mode, which allows cardholders to transfer money, deposit and withdraw cash (with interest), and spend money by credit card. , but can't overdraw.

Credit card is a mode of "spending first and then repaying", which allows cardholders to spend by credit card, withdraw cash by overdraft, and have no deposit (interest-free), but they must return the money to the bank after consumption.