a CreditCard is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. The form of credit card is a card with the name of issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified amount.

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

savings card is a kind of financial transaction card issued by banks to provide financial services to depositors, which belongs to a kind of debit card and has two types: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters, and to spend money at networked POS.