Not necessarily. Bank cards, including credit cards, are actually a kind of bank cards issued by banks. Even this is included in the inclusion relationship. Bank cards are divided into credit cards and debit cards. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions.

The difference between the two is reflected in:

1, with different main functions.

Debit card: The main function is to deposit and withdraw cash and transfer money. Cash must be deposited into the card in advance, otherwise consumption payment cannot be made.

Credit card: The main function is overdraft consumption. Banks wholesale credit lines according to personal credit status. Cardholders can spend first and then repay.

It is difficult to get a card.

Debit card: the application is very simple and does not require bank approval. Usually you can get it right away.

Credit card: the application is more complicated. Applicants must meet certain conditions and submit relevant materials, which can only be processed after being approved by the bank.

3. Cumulative integral function

Debit card: points cannot be accumulated.

Credit card: points can be accumulated by spending. Points can be exchanged for goods in integral mall for free.

4. Different accusations

Debit card: No handling fee is required if you don't transfer money or withdraw money across banks and regions. Basically, you only pay the annual fee, and the annual fee of each bank is basically maintained at around 10 yuan.

Credit card: there are many payment items, such as withdrawal fee, overdue interest, annual fee, etc. These are not small expenses.

Precautions for the use of bank cards:

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of the ATM, please do not use it for safety reasons and notify the bank immediately.

2. In order to prevent counterfeit ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under bank video surveillance.

It is best to store the bank card and ID card separately. Please don't lend your bank card to others. Don't disclose the bank card number and password at will.

4. When swiping the card, don't let the bank card leave the line of sight, pay attention to the number of times the cashier swipes the card, and check whether the amount on the shopping list and the card is correct and whether it is your own card. When you receive the shopping list and shopping card,

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found.

6. If you suspect that the funds have been stolen, call the bank customer service immediately and report the loss of the bank card account in time.