The difference is that one needs economic cost and the other does not.

the consumption function is used to directly purchase goods, and you need to spend your own economy.

the payment function is to use credit cards and so on before paying back, so you don't need to spend your own money for the time being.

Credit Card:

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

Credit cards are generally special carrier plastic cards with consumer credit, which are 85.6mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, whereby they can shop, spend money and deposit and withdraw cash from banks. The form is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and the card surface has chips, magnetic strips and signature strips.

Credit cards are issued to cardholders by banks or credit card companies according to users' creditworthiness and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will make repayment on the Billing Date. ?

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, within which they can spend first and then repay. Quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.