the difference between a credit card and a savings card: 1. A savings card is a debit card, and users can only spend or transfer money if they have their own money and deposit it, while a credit card is a debit card, which can be swiped with the bank's credit line, spending first and then repaying. 2. The conditions for handling a savings card are relatively simple. Usually, you can apply for it as long as you are at least 16 years old, while credit cards need to have a stable job and income and provide relevant supporting materials. They will only be issued after being approved by the bank. 3. Savings cards cannot be used for overdraft consumption, while credit cards can be used for overdraft consumption.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or a credit card company to qualified consumers. Consumers with credit cards can go to a special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within a 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, and the special merchants who hold the card in the bank can enjoy discounts.

savings card is a kind of financial transaction card issued by banks to provide financial services for depositors, which belongs to a kind of debit card. Its main function is to deposit and withdraw money at networked ATMs and bank counters, and to spend money at networked POS. Moreover, the application for a savings card is very simple, and it can be obtained immediately without the approval of the bank.