The difference in appearance between credit cards and debit cards. 1. There are holographic laser anti-counterfeiting logos on the front and back of the credit card. China UnionPay’s logo is the Temple of Heaven, Visa’s is the dove, and MasterCard’s is the earth. Debit cards rarely have laser anti-counterfeiting markings.

The difference between a credit card and a debit card is shown on the card face

2. The back of a credit card has the phone number of the credit card center of the card issuer, and the back of a debit card has the service hotline of the card issuer. 3. There are 7 digits printed on the back of the China UnionPay credit card. The first 4 digits are the last 4 digits of the card number. The last three digits are called CVN2, which is also called a verification code or security code. Leaking the security code may lead to Credit card was stolen. The China UnionPay debit card does not have these 7 digits on the back.

What we can do is to distinguish credit cards and debit cards from the appearance of the above three points. Other appearance features are not easy to distinguish credit cards and debit cards. For example, a bank card with name pinyin and expiry date on the card may be a credit card or a relatively high-end savings card. International credit cards and debit cards have a security code printed on the back, which is equivalent to the CVN2 of my country's UnionPay credit card, and is used to replace a signature when making overseas online purchases and card-less payments.

When applying for a credit card, the bank will evaluate the applicant's income level and assets to confirm the applicant's spending power and repayment ability. Credit card applicants sometimes need to provide proof of income. Applying for a savings card is relatively simple. You only need an ID card to apply for it at the bank.