Hello, the difference between savings card and credit card: 1. Credit cards mainly use bank funds to spend in advance and enjoy an interest-free period. This is a financial management method. 2. Credit card is not a savings card, and the deposit in credit card will not settle interest. 3. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. 4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is the main international payment tool. On international websites, you can shop directly by filling in your personal credit card information. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.