The differences between credit cards and bank cards include different functions, different validity periods, different annual fees, different interest rates, different overdraft situations and different consumption methods.

①. Different functions: bank cards can be used for deposits and withdrawals, consumption, financial management, etc. Generally, deposits are made first and consumption is later; the functions of credit cards are relatively simple, mainly for consumption, and you can consume first Then repay, so credit cards are also called credit cards;

②. Different validity periods: bank cards have longer validity periods, usually five to ten years or even indefinitely; Generally five years;

③. Annual fees are different: most bank card annual fees are more than ten yuan; credit card annual fees can reach hundreds or thousands of yuan;

④. Different interest rates: Deposits in bank cards carry interest, but deposits in credit cards do not calculate interest.

⑤. Different overdraft situations: Credit cards allow overdrafts, but debit cards do not. Overdraft is allowed;

⑥. Different consumption methods: Credit cards are consumer credit products, which can be consumed first and then repaid, while debit cards are deposited first and then used.