Debit cards and credit cards are both bank cards, but there are great differences between them. This paper will introduce in detail how to distinguish debit cards and credit cards from consumption and payment, interest rates, account deposits, credit lines and repayment methods.

1. Consumption and payment

Debit cards can only be used for consumption and payment, while credit cards can be used not only for consumption and payment, but also for loans, which can be obtained from banks and need to be repaid within the specified time of each month.

2. Interest rate

The interest rate of debit cards is relatively low, generally between .5% and 1.5%, while the interest rate of credit cards is relatively high, generally between 2.5% and 3.5%.

3. Account deposit

Debit cards don't need deposit, while credit cards need to provide a certain deposit to ensure timely repayment.

4. Credit limit

Debit cards have no credit limit, while credit cards have a credit limit, which is generally between 5, and 1, yuan.

5. Repayment method

Debit card is a one-time repayment method, while credit card is a monthly repayment method, which can be used to reduce the pressure by installment.

As can be seen from the above introduction, debit cards and credit cards are quite different, and there are differences in consumption and payment, interest rate, account deposit, credit limit and repayment method, which require users to carefully consider and choose.