It can be distinguished by these methods:

1. Credit cards are those with clear words "credit card" and "debit card" on the card surface;

the words "debit card", "savings card", "ATM card", "maestro" and "cirrus" are clearly marked on the card surface as debit cards.

2. Credit cards must have an expiration date.

3. Credit card numbers are embossed. Debit cards are printed in print and embossed.

4. On the front of the credit card, there is the Chinese Pinyin of the cardholder's name, and some of them have the gender "Mr" and "Ms". Debit cards are not necessarily available.

5. There is a CVV code for online payment on the back of the credit card.

6. Call the customer service of the issuing bank and ask if your card is a savings card or a credit card.

7. Counter inquiry. Take your bank card and go to the nearest bank counter for inquiry.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Extended information

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

1. You can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days, and you can repay the interest on time without any charge (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).

2. swiping your card when shopping is not only safe and convenient, but also a bonus gift.

3. special merchants who hold cards in banks can enjoy discounts.

4. Accumulate personal credit and add credit records to your credit file, which will benefit you for life.

5. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it is best not to withdraw cash, which is very expensive and uneconomical)

6. Credit card spending, some credit cards taking existing points, various discounts and lottery activities throughout the year, so that you can always be surprised as long as you use the card; (Most credit cards have no points for online payment, but online shopping payment is very convenient and fast.)

7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (environmental protection is advocated now, and the paper statement can be changed to electronic statement.)

8. Unique supplementary card function, suitable for husband and wife to manage money together, or to master their children's financial expenditure.

9. The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

24-hour service for 1,4 telephones or 5-digit short numbers with the prefix of 9, the loss will take effect immediately, and there is no risk of card loss.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Savings Card