Credit cards and debit cards are two different financial instruments. They are different in terms of functions, usage methods, fees, etc.

First of all, credit cards and debit cards are very different in function. A credit card is a loan tool that provides the cardholder with a certain credit limit. The cardholder can use this limit for consumption and repay within a certain period of time, while a savings card is a deposit tool. Cardholders can deposit their own funds into the savings card and withdraw them at any time.

Secondly, credit cards and debit cards are also different in how they are used. Credit cards can be used for both online and offline payments, while debit cards can only be used for offline payments and cannot be used for online payments.

In addition, credit cards and debit cards also have different fees. The fees for using credit cards are generally relatively high, including annual fees, interest, etc., while the fees for using debit cards are generally relatively low, with only a small annual fee.

In general, credit cards and debit cards each have their own advantages and disadvantages, and cardholders can choose the appropriate financial instrument based on their actual situation. If the cardholder has strong self-control ability, you can choose a credit card because it can provide more convenience; if the cardholder does not have enough self-control ability, you can choose a debit card because it can help the cardholder have better control. own funds.