1. Credit cards have the function of overdraft consumption, but savings cards cannot be overdrawn.
2. Cardholders can enjoy a maximum interest-free period of 56 days after using credit cards (different banks have different regulations). Cardholders do not have to pay any fees as long as they repay in full before the final repayment date, but they need to pay interest after this time limit; However, cardholders generally do not have to pay any fees when using savings cards, and there is no repayment period limit.
3. The cardholder needs to pay a handling fee to withdraw the overpayment from the credit card; With a savings card, peers in the same city don't have to pay the handling fee.