In daily life, the main function of bank cards is deposits and withdrawals. Because more and more people are now using online shopping, and Alipay also supports Ant Huabei? Advanced consumption. As a result, fewer people choose to spend money with credit cards. So, what is the difference between a debit card and a credit card? Let’s take a look with me!

The difference between a debit card and a credit card

Difference 1: Different functions

In addition to credit loans, credit cards also have functions such as cash deposits and withdrawals, transfers, payment settlements, collections and payments, general deposits and withdrawals, cash limit withdrawals, and online shopping. Debit cards can only be used for deposits, withdrawals, transfers, and online shopping.

Difference 2: Different natures

Debit card deposits have interest, but credit cards do not; while credit cards have the nature of unsecured and unsecured loans, debit cards do not. In addition to this, credit cards are generally short-term, small-amount, unspecified credit, while debit cards are available for anytime use.

Difference 3: Different appearance

The front of the credit card has the pinyin of the cardholder’s name and the credit card expiration date, while the same type of debit cards are all the same, without personality, with the front There is no pinyin for the cardholder’s name, and most of them don’t have an expiration date.

Difference 4: Different uses

When using a credit card, there is almost always the words "Signature of the cardholder, invalid without signature" under the signature column, while for debit cards there is a sign under the signature. There is usually only the words "Cardholder's signature" on the right side of the column.