Debit cards are also called savings cards, and "debit" means "debit". The cardholder's payment is deducted from his bank account, and the cardholder spends the money in the account, so there is no credit consumption. \x0d\\x0d\ II。 Credit card is also called "credit card", and "credit" means "future payment". Cardholders can use their own reputation to obtain a certain period of revolving credit from the issuing bank, borrow money from the issuing bank and pay back the account once a month. \x0d\ The essential difference between credit card and debit card lies in the difference between "credit" and "debit". \ x0d \ x0d \ Credit cards are divided into debit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank: \ x0d \ x0d \ 1. Quasi-credit card refers to a credit card that the cardholder must deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of reserve fund is insufficient to pay, it can overdraw within the credit limit stipulated by the issuing bank. \x0d\\x0d\2。 Credit card holders can spend first and then repay within the credit limit granted by the bank. When using this card, there is no need to deposit the reserve fund. Deposits in quasi-credit card accounts are interest-bearing, while deposits in credit card accounts are not. \x0d\ \x0d\ Supplement: At present, there are about three kinds of bank cards issued by banks. One is a debit card, which is an ordinary bank savings card; The second is credit card, commonly known as bank credit card; Third, quasi-credit card is a kind of card between debit card and credit card.