Debit cards are not credit cards. Debit card refers to a bank card with no credit limit issued by the card issuer to the cardholder. The cardholder deposits money first and then uses it. Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have functions such as transfers, cash deposits and withdrawals, and consumption. Special cards are debit cards used in specific areas and for special purposes (except department stores, restaurants and entertainment industries). With transfer and cash deposit and withdrawal functions. A stored-value card is a prepaid wallet debit card. The bank transfers funds to the card for storage at the request of the cardholder, and deducts money directly from the card during transactions.

A credit card is a card that can be overdrafted in advance. It can be spent without saving money. It is a payment card that provides consumer credit to the cardholder. Cardholders do not need to make deposits at the card-issuing bank to "purchase now and settle later". A credit card is also known as a credit card. The card issuer sets a credit limit for each credit card user based on the customer's credit situation and the personal information submitted to the bank when applying. Typically, card issuers send statements to cardholders once a month. Cardholders can choose to repay the bill within a certain grace period after receiving the bill without paying interest, pay a portion of the account, or only repay the minimum amount with interest added later. This credit card is currently the most widely circulated payment card, and its core features are credit sales and revolving credit.

In short, debit cards and credit cards are different. A debit card is not a credit card. The biggest difference between them is that debit cards require deposits before consumption, while credit cards allow overdraft consumption, that is, no deposit is required. In short, one can be overdrafted, and the other cannot be overdrafted. We apply for the right card based on our situation.

Debit card refers to a bank card issued by the card issuer to the cardholder with no credit limit and used by the cardholder after making a deposit. It is a type of bank card. Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. It has the advantages of being easy to use, popular, safe and reliable. It cannot be overdrawn. It has functions such as transfer, cash deposit and withdrawal, and consumption. There are two ways to use it: password and signature.