1. Look at the bill. You can use credit cards and debit cards for consumption at the same time. The one that will be billed every month is the credit card, because it uses the bank's money and needs to be repaid on the final repayment date; the one that does not have bills is the debit card, and the one with your own money is No repayment required.

2. Look at the functions. If you use a debit card to transfer money in mobile banking, you can transfer without approval, and the debit card can transfer 100% of the entire amount; if you cannot transfer, or the transfer requires bank approval, and the transfer amount is up to 50%, you must It's definitely a credit card.

3. Look at the cost. It is free to apply for a credit card, but there is a fee for debit cards. The card application fee is about 10 yuan, but it depends on the bank's requirements.

4. Look at the card surface. Each credit card will have the pinyin of the cardholder's name pressed out in three-dimensional characters and marked with an expiration date. Except for bank VIP customers, debit cards generally do not have the cardholder's name and are not marked with an expiration date.