The main difference between the two cards is the source of funds and how they are used.

Visa debit card funds come from the user's bank account. When consumption is made, the money will be immediately deducted from the account, and no overdraft is allowed.

The funds for Visa credit cards come from the credit line issued by the bank, which can be overdrafted and must be repaid according to the agreed time after consumption.

In addition, the use of Visa debit cards can establish and improve credit records, while Visa credit cards will not have an impact on credit records.