The first three are savings cards, which are debit cards. You need to save money before you can spend it. There are different grades among the three. According to the amount of customers' deposits in the bank, the services and preferential policies provided by the corresponding banks are different, so if you want more courtesy, save more. As for the credit card, the bank will give you an overdraft for free for a certain period of time, which can help you save your life when you are short of money. However, this application depends on your credit. If you have a stable job, stable income and good credit, the application will be easier to pass, otherwise the bank will directly refuse the visa.