The Qiannong Cloud credit card is different from the savings card. The difference between Qiannongyun credit card and savings card is as follows:

1. Function: Qiannongyun credit card is a credit card that allows cardholders to overdraw funds beyond the credit limit. And need to repay on time. The savings card is a debit card. It can only use the funds that have been deposited in the card for consumption, and no overdraft is allowed.

2. Repayment method: Customers holding Qiannongyun credit cards need to repay the credit card consumption amount (full amount or minimum repayment amount) according to the agreed repayment date, and will be charged based on the remaining balance. Charge corresponding interest. Deposit cards do not require repayment, just ensure there is sufficient balance in the account.

3. Interest rates: Credit cards will charge relatively high interest rates, especially when repayments are not made on time or when the credit limit is exceeded. There is no interest cost with a debit card because you only use the deposits in your account. A debit card is a bank card, also known as a debit card.