Hello, if you have applied for our bank’s debit card and credit card, the main difference is: debit cards cannot be overdrafted, while credit cards can be overdrafted. Deposit interest will be accrued for funds deposited into a debit card (no interest will be accrued for funds deposited and withdrawn on the same day), and no deposit interest will be accrued for funds deposited into a credit card. To apply for a debit card, you only need a valid ID (some outlets may add supporting documents for verification). Whether the credit card can be successfully applied for will need to be reviewed by the credit card center based on your comprehensive situation. If you still have questions, you can call the customer service hotline 4008205555 or 8008205555, select "3#" in the voice message to apply for credit card consultation, and then select "1" to be transferred to a service specialist to answer your questions. Thank you for your attention and support!