The Farm Credit Union's Harvest Card has a credit card (credit card) and a debit card (savings card).

Credit cards can be overdrawn for purchases and debit cards cannot be overdrawn for purchases.

Credit cards cannot transfer money, debit cards can.

Both cards can be used to pay for online purchases.

Credit card (credit card generally refers to credit card)

Credit card (English: Credit Card), also known as credit card. It is a way of paying for non-cash transactions and is a simple credit facility.

Credit card is generally 85.60 millimeters long, 53.98 millimeters wide, 1 millimeter thick special carrier plastic card with consumer credit. Is issued by the bank to individuals and units, with which to the special unit of shopping, consumption and access to cash to the bank, the form of a card printed on the front with the name of the issuing bank, expiration date, number, name of the cardholder, etc., the card face with a chip, magnetic stripe, signature strip.

Credit cards are issued to cardholders by banks or credit card companies in accordance with the user's creditworthiness and financial strength, and cardholders are not required to pay cash when spending with their credit cards, and then make repayments on the billing date (English: Billing Date).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are credit cards issued by banks that give the cardholder a certain credit limit and allow the cardholder to spend money before repaying the card; quasi-credit cards are quasi-credit cards issued by banks that allow the cardholder to deposit a certain amount of money as a reserve upon request, and then overdraw the card within the credit limit when the reserve account balance is insufficient to pay for the card. The term credit card generally refers to credit cards alone.

China's relevant laws ("Interpretation by the Standing Committee of the National People's Congress of the <Criminal Law of the People's Republic of China> on the Provisions of the Chinese People's *** and the State Criminal Law> on Credit Cards") stipulate that credit cards refer to the electronic payment cards with all or part of the functions, such as consumer payment, credit facilities, transfer and settlement, access to cash, etc., issued by commercial banks or other financial institutions.

On December 1, 2017, the Norms for English Translation and Writing in the Field of Public **** Services was officially implemented, stipulating that the standard English name for credit cards is Credit Card.

Debit Card

Debit card refers to the card issued by the card-issuing bank to the cardholder with no credit limit, and the cardholder deposits money and uses it later on a Debit card is a bank card issued by the issuing bank to the cardholder without a credit limit. Debit cards are divided into transfer cards, specialized cards and stored value cards according to their functions. Debit cards cannot be overdrawn. Transfer cards have the functions of transferring money, depositing and withdrawing cash and spending money.

Specialized cards are debit cards used in specific areas and for specific purposes (other than department stores, restaurants, and entertainment), and have the functions of transferring money and accessing cash. A stored value card is a prepaid wallet-type debit card that the bank transfers funds to the card for storage at the cardholder's request, and debits funds directly from the card during transactions.