Credit card is equivalent to a medium for banks to borrow money from you. Cary will have a certain amount of money. This is the limit of your credit card. Within this limit, you can spend money where you can use a credit card without paying for it yourself.

After you finish spending, I will send you a bill every month as a summary of your spending with a bank credit card. Here are the vouchers and bills that you need to pay back to the bank. Generally speaking, the bank lends you money for free, and then you pay it back to the bank after one month.

There is no interest on this, but if you withdraw money from your credit card, there will be a handling fee, so it can only be used for consumption. Cashing out is another matter.

As for the savings card, the bank gives you a blank, the balance in the card is 0, and then you deposit money in it yourself. The money in this card will be deposited in the bank, you can withdraw it at any time, and the bank will pay you a certain amount of interest regularly.