A cheque is a sight draft drawn on a bank. Specifically, a check is an unconditional written payment instruction issued by a bank depositor to a bank, authorizing the bank to pay a certain amount at sight to someone or their designee or holder.

Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate. In a narrow sense, the new credit card is essentially a consumer loan, which can be borrowed and consumed without pre-deposit.