Debit card refers to a bank card that deposits first and then consumes. It has the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption, and has no overdraft consumption function. Debit card deposits will also calculate interest according to the current demand, and there is no charge for cash withdrawal.

A credit card refers to a bank card that is consumed first and then repaid. It has the functions of credit consumption, transfer settlement, cash deposit and withdrawal, micro-credit and overdraft consumption. There is no interest on credit card deposits, and a certain handling fee will be charged for cash withdrawal.