The wealth management card can only be deposited before consumption and cannot be overdrawn. This is a debit card. Bank cards are divided into credit cards and debit cards, and credit cards can be overdrawn.

The difference between financial card and credit card:

1. The credit lines granted by banks to cardholders are different:

Banks will only give credit cards when they feel that cardholders have certain credit; The cardholder can't get the credit standard of the bank, and the bank can only choose to give a debit card, such as a wealth management card.

2. Different functions:

Credit cards can be overdrawn, but wealth management cards cannot be overdrawn.

3. Interest in cards is different:

The money in the wealth management card has interest, but the money in the credit card has no interest.

Extended data:

Financial cards belong to debit cards. Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards.

References:

Baidu encyclopedia-credit card Baidu encyclopedia-debit card