Debit cards are also called savings cards, and "debit" means "deduction". The money spent by the cardholder is deducted from his own bank account, and the cardholder spends it in his own account, so there is no credit consumption.

Credit card is also called "credit card", and "credit" means "future payment". Cardholders can use their own credit to obtain the circulating credit of the issuing bank for a certain period of time and borrow money from the issuing bank to pay the bill once a month.

the essential difference between credit card and debit card lies in the difference between "loan" and "debit".

credit cards generally have laser anti-counterfeiting marks on the front, but debit cards don't; Credit cards have an expiration date, but debit cards may not; At present, domestic credit card numbers are embossed, while debit card numbers are printed and embossed.

many people have credit cards, but quasi-credit cards are not as well known as credit cards. These two types of cards are essentially different in nature and function, and are easily confused by users.

whether a credit card deposits a reserve fund with the issuing bank can be divided into two categories: credit card and quasi-credit card.

Credit card holders can repay after spending within the credit line given to them by the bank. When using this card, they should not pay the deposit.

quasi-credit card refers to a credit card in which the cardholder must deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve fund is insufficient to pay, the cardholder may overdraw within the credit limit stipulated by the issuing bank, and the interest shall be calculated from the date of overdraft. The deposit in the quasi-credit card account is interest-bearing, but the deposit in the credit card account is not.

Although it is not well systematized, there will be repetition and overlap in related content, but we will show it carefully, which will be helpful to many friends. You don't need a financing loan, but you need to understand finance! Related questions and answers: the difference between credit card and credit card

Credit card is a kind of credit card. Generally speaking, quasi-credit card and credit card are both credit cards, but the credit card defined in the early days is limited to quasi-credit card. As quasi-credit cards have gradually faded out of the market, the current credit cards generally refer to credit cards. Credit cards are divided into credit cards and quasi-credit cards according to whether they deposit reserve funds with the issuing bank.

the difference between a credit card and a quasi-credit card:

1. A credit card is a credit card, which only has the credit function, that is, the loan has an interest-free period and does not have the debit card function. If you deposit more money, you will have to pay a handling fee. Quasi-credit card has the functions of both credit card and debit card. Quasi-credit card requires customers to keep a certain reserve fund. When using the credit function, there is no interest-free period, and a handling fee of five ten thousandths of the consumption amount is charged every day, counting from the date of consumption. However, it also has the function of debit card. Like debit cards, there is no handling fee, but compared with other conventional debit cards, it has an additional credit function, so it is called a quasi-credit card.

2. You can't tell the difference between a credit card and a quasi-credit card from the card face. One of the simpler ways is to call the bank customer service and ask directly. The second is to spend a sum. If interest is generated the next day, it is a quasi-credit card, or if you withdraw a sum without interest, it is also a quasi-credit card.