First, when using a savings card, you need to deposit money in the card before you can use the card for consumption, while the credit card can overdraw, and then pay back the overdraft amount on the account sheet day. Secondly, to apply for a savings card, you only need to go to the outlet with your ID card. To apply for a credit card, you need to fill in a form and wait for approval before issuing it. What is the difference between a savings card and a credit card? First of all, there are certain differences in the use of savings cards and credit cards. When we usually use a savings card, we need to deposit enough money into the card before we can use this card for consumption.
The credit card can be overdrawn within a certain amount. When it is used, it does not need to pay cash immediately. Instead, it should wait until the account sheet date of this card to pay back the overdraft amount before.
Secondly, the difficulty of handling these two cards is also different. For a savings card, you only need to carry our ID card and go to the relevant outlets for processing, while for a credit card, you need to fill in an application form and wait for the examination to be passed before issuing it.