Savings cards are debit cards and credit cards are debit cards. The difference between debit card and credit card is \x0d\ 1. The origin is different: debit cards are developed from bank deposit accounts, while credit cards are developed from the concept of overdraft consumption. \x0d\2。 Different functions: debit card deposits can not be overdrawn with interest, and credit card deposits can be overdrawn without interest. \x0d\3。 The nature of business is different: debit cards use their own money, and credit cards use bank money. \x0d\4。 The profit models of banks are different: debit card banks mainly earn deposit spreads; Credit card banks mainly earn overdraft interest and handling fees.