Generally speaking, debit card = savings card, while credit card = debit card+quasi-credit card.

The difference between debit card and credit card is as follows:

1. Debit card deposits interest, but credit card does not.

2. Credit cards can cycle credit lines. China's card-issuing banks generally give cardholders an interest-free period of up to 6 days, and the credit limit of cardholders is approved according to their credit status. Debit cards have no revolving credit line.

3. Credit cards are unsecured and unsecured loans. Debit cards are not.

4. Credit cards are usually short-term, small-sum, and non-designated credits, while debit cards are always available.

5. In addition to credit loans, credit cards also have the functions of cash deposit and withdrawal, transfer, payment and settlement, collection and payment, deposit and withdrawal, line withdrawal, online shopping and so on. Debit cards can only be used for deposit and withdrawal, transfer and online shopping.

first, a Debit Card, that is, a savings card, refers to a bank card that has no overdraft function after making a deposit and then spending (or withdrawing cash). According to their different functions, it can be divided into debit card (including savings card), special card and stored value card. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

second, Credit Card (English: credit card), also known as debit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, within which they can spend first and then repay.

3. quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Extended information:

Debit card refers to the bank card issued by the issuing bank to the cardholder, which has no credit limit and the cardholder deposits first and then uses it. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions.

debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a debit card used in a specific area and for special purposes (other than department stores, restaurants and entertainment industries), which has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

China's relevant laws ("the NPC Standing Committee on <; Criminal Law of the People's Republic of China > The credit card stipulated in the Interpretation of Credit Card Regulations refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Reference: Debit card? Baidu encyclopedia credit card? Baidu baike