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The difference between a bank salary card and a credit card:

1. The salary card is a debit card. Generally, you can apply for it if you are over 18 years old. The salary card is tailor-made for the staff of the majority of budget units. It is a customized bank card that is mainly used for daily official expenses and financial reimbursement business and also has personal consumption functions. Overdraft is not allowed.

2. Credit card, the application conditions are relatively complicated, and the required proofs are as follows: 1. Proof of unit income; 2. Bank salary statement; 3. Bank deposit certificates and other deposit certificates; 4. Driving license, real estate certificate and other assets Proof; 5. Pay housing provident fund and other running water. Basically, you can have an overdraft after applying for it.