1. Different characteristics
1. Savings card
Savings card fees mainly include annual fee, small account management fee, loss reporting fee, new card worker, cash withdrawal fee (including local inter-bank, foreign bank, foreign bank, overseas ATM, Hong Kong and Macao) and transfer fee (including foreign bank, foreign bank, local inter-bank and overseas wire transfer).
2. Credit cards
are not encouraged to deposit cash, and they can be repaid after consumption, enjoy an interest-free repayment period, and can be repaid by installments (with a minimum repayment amount), and join international credit card organizations such as VISA, Master Card and JCB for global use.
2. Different functions
1. Savings card
The main function of savings card is to save deposits. Cardholders can realize credit card consumption, ATM withdrawal, transfer and various payment functions through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, and the expenses through the card are equal to the reduction of the balance of the savings account.
2. Credit card
1) When shopping, swiping your card is not only safe and convenient, but also a bonus gift.
2) special merchants who hold cards in banks can enjoy discounts.
3) Accumulate personal credit and add credit records in credit files.
4) Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card at ATMs and POS machines with UnionPay logo.
3. Different card types
1. Savings card
Savings card is a kind of debit card. There are 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.
2. Credit card
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or a credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
Baidu encyclopedia-savings card
Baidu encyclopedia-credit card