1) Credit card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service.

It is issued by the bank to individuals and organizations. They can use it to shop and consume with special units and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number and cardholder printed on the front. Name and other contents, there is a magnetic strip and signature strip on the back.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

2) Bank Card (Bank Card) is a credit payment instrument issued to the society by commercial banks and other financial institutions and postal savings and remittance institutions, and has all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc.

Generally, bank cards are divided into two types: credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards.

1) Credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

2) Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Because various bank debit cards are divided into transfer cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

3) To put it simply——————The credit card uses your credit. When the money on the card is used up (you don’t need to deposit money), the bank can give you an overdraft, but Bank cards use the money you deposit (or you don’t have to deposit money). When the money on the card is used up, some can be overdrafted and some cannot. This is the difference.