The differences are as follows:
1. Credit cards and debit cards have different card numbers.
A credit card has 4 groups of 4 digits with a total of 16 digits, while a debit card has 3 to 5 groups of 13 to 19 digits. The number of digits on the card is different;
2 , the fonts on the card surface are concave and convex.
All credit cards are embossed on the card surface, while some debit cards are embossed and some are indented;
3. Anti-counterfeiting marks different.
Credit cards have specific holographic anti-counterfeiting marks, while some debit cards have anti-counterfeiting marks, some do not, and are optional;
4. The validity period is different.
Credit cards have an embossed validity period, while debit cards are optional, and some only have the card issuance date;
5. The pinyin of the name is different.
Credit cards have the pinyin and gender of the cardholder’s name embossed on them, while some debit cards have them, some don’t, and they are also optional;
6. The difference in overdrafts .
Credit cards can of course be overdrafted, but debit cards cannot be overdrafted. You can use it if you have money, but you can't use it if you don't have money;
7. The usage is different.
When using a credit card, the signature must be verified. Some cards require ID cards and passwords, while debit cards must use passwords and signatures.
Extended information
The main function of a savings card is savings deposits. Cardholders can achieve this through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card. For functions such as card consumption, ATM cash withdrawals, transfers, and various types of payments, expenses incurred through the card are equal to the reduction in the balance of the savings account.
The account balance is zero, and the payment function of the card is also reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.
Debit card application conditions:
Go to any bank branch with your valid identity document (such as ID card or driver's license). A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.
Baidu Encyclopedia: Debit Card