To distinguish credit cards and debit cards, you can start with the following key points:

First of all, the card number lengths are different. The standard card number of a credit card is usually 16 digits, while the length of a debit card number is usually 19 digits. This is an intuitive difference between the two on the surface.

Secondly, regarding the validity period, credit cards have a clear validity period, which is usually printed on the card surface or reflected in the security code area, while debit cards usually have no validity period, or the validity period is relatively short, focusing more on the active status of the account. .

Furthermore, observing the card design can also help distinguish. Credit cards usually have the pinyin letters of the cardholder's name, while debit cards rarely have such personalized markings. In addition, the application process for credit cards is usually more complicated and requires approval, while debit cards usually only require an ID card to be applied for instantly.

In addition, it is important to understand the consequences of overdue credit cards. Late repayment will not only result in liquidated damages, usually 5% of the minimum repayment amount, but also high interest, calculated on a compound interest basis. This will not only affect your credit score and hinder future financial activities such as loans or home purchases, but in serious cases, if the loan is overdue for more than 3 months and the amount is large, and the bank's reminder fails, you may face criminal liability.

In general, credit cards and debit cards are different in terms of card number length, validity period, card design and usage rules. Understanding the use of credit cards and the consequences of overdue is also the key to avoiding potential problems.