The difference between a savings card and a credit card is as follows:

1. The digits of savings card and credit card are different.

There are 3 to 5 groups of savings cards, and the digits of 13 to 19 are different. The credit card is composed of 4 digits and 4 groups, with a total of 16 digits.

2. Different anti-counterfeiting marks.

Some savings cards have anti-counterfeiting marks, others don't, and they are dispensable. Credit cards have specific holographic anti-counterfeiting marks.

3. The fonts on the card face are uneven.

Some savings cards are convex and some are concave, which can be convex or concave. Credit cards are embossed on the card surface;

4. The validity period is different.

Savings cards are dispensable, and some only have the date of issue. Credit cards have an embossed service life.

5, the name pinyin is different.

Some savings cards are available, some are not, and they are also dispensable. The credit card is embossed with the cardholder's name pinyin and gender.

6. The balance of overdraft.

Savings cards cannot be overdrawn. If you have money, you can brush them. If you have no money, you can't brush them. Credit cards can of course be overdrawn.

Savings card is a financial transaction card issued by the bank to provide financial services to depositors, which belongs to debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.

The main function of a savings card is to save deposits. Cardholders can read and manually enter passwords through the electronic payment network established by the bank and the magnetic stripe of the card, so as to realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.

2. Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized 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 limits.

How to distinguish between credit card and savings card?

Credit cards and savings cards are different in appearance and use. Next, let's see how to distinguish between credit cards and savings cards.

0 1

Functional aspect

Credit card can be understood as borrowing money from others, which requires certain interest, but does not require collateral; A savings card can be understood as putting your deposit in the bank and charging a certain interest.

02

deadline

Credit cards are generally short-term, and you can repay them when you borrow them. For example, you can borrow money from Baihua this month and repay it next month, but you can also repay it at any time. Savings cards are generally long-term, such as more than one year.

03

it seems

You can touch the words of credit card and savings card by hand, and you can see that the words of credit card are concave and convex, but the words of savings card are not. They are flat.

04

Overdraft aspect

Credit cards can be overdrawn, for example, about 5,000 yuan can be overdrawn, while savings cards can't be overdrawn, and generally only deposits can be made.

The difference between savings card and credit card

There are some differences between a savings card and a credit card:

1. Savings card is a financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.

2. Credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.

Supplementary information:

The specific differences between a savings card and a credit card are as follows:

1, Function: In general, savings cards do not support overdraft. Credit cards have overdraft function. The overdraft function is very helpful for urgent needs, but blind overdraft will cause some unnecessary troubles, so we should learn to spend rationally.

2. Handling conditions: It is very simple to handle a savings card. As long as you have an ID card, you can apply to the bank. Not all credit card applications can be approved. The bank will evaluate the applicant's comprehensive situation, such as income level, social security, deposits, assets and other factors. The main purpose is to confirm that you have the ability to spend and repay, and it is difficult to handle it without an economic foundation.

3. Credit impact: free access, every consumption and overdraft through the savings card is your own, and the savings card has no overdraft function. On the other hand, credit cards have a billing date and a final repayment date every month. If the repayment is overdue, it may be recorded in the personal credit report, which will have a great impact on the future credit life.

4. Annual fee: At present, almost many banks charge annual fees for their savings cards, generally ranging from 10 yuan. Of course, banks have also introduced savings cards that do not require annual fees. The annual fee of a credit card is as high as tens of yuan or one or two hundred yuan, but you can waive the annual fee for the next year as long as you swipe your card several times in one year.

5. Application conditions: It is more difficult to apply for a credit card than a savings card. Applying for a credit card requires proof of work and social security payment, but a savings card can be applied as long as it has civil capacity.

Extended data:

First, how to repay the credit card is the most cost-effective.

Credit card repayment is most cost-effective:

1, full repayment.

In order to solve the repayment pressure of users, credit cards provide users with the minimum repayment amount. However, when users use the minimum repayment amount, they will incur corresponding expenses. So in order to avoid this situation, users had better use full repayment. This not only avoids the cost problem, but also facilitates the withdrawal of credit cards in the future.

2. Online bank repayment.

Generally speaking, no matter whether you use credit card's own online banking or other online banking to repay, there will be no cost. Users who use third-party payment platforms often have to pay part of the repayment fee. Therefore, when users repay, it is best to use online banking to repay.

3. Repay on time.

It is very important to repay the credit card on time, because if it is overdue, it will not only generate overdue interest, but also be reported by the bank to the central bank's credit information system. Therefore, in order to ensure timely repayment, users had better set up automatic repayment. In order to avoid overdue.

So much for the introduction on how to distinguish savings cards from credit cards.