Conclusion: A debit card is essentially a savings card. Its main difference from a credit card is that it does not have an overdraft function, but is a consumption tool based on deposits. The following are the main characteristics of debit cards:

1. Savings nature: The main function of a debit card is savings, and its "debit" in the accounting concept reflects its capital inflow nature. After making a deposit, the cardholder can make purchases or withdraw cash.

2. Function classification: Debit cards can be divided into transfer cards (including savings cards), special cards and stored-value cards according to their functions. Each type focuses on specific transaction scenarios.

3. Deposit and withdraw cash: Debit cards support local and foreign currency savings. Users can deposit and withdraw cash at bank branches, self-service equipment and ATM machines around the world.

4. Transfer and remittance: Cardholders can easily transfer or remit money, whether through bank channels or electronic platforms.

5. Card consumption: Debit cards can be used for daily merchant consumption, which is convenient and fast.

6. Collection and payment: Debit cards can be used to process salary payment and payment of various expenses, such as water, electricity and gas bills.

7. Asset management: Debit cards also support financial services such as financial products, fund investments, and foreign exchange transactions.

8. Additional services: Banks will also provide debit card users with value-added services such as airport VIP services and medical and health services.

To sum up, the core positioning of debit cards is savings cards, which focus on deposits and non-overdraft consumption, and provide diversified financial services.