The difference between credit card advance and savings card advance

Savings card is a kind of debit card. Whether it is a credit card or a debit card, pre-authorization business can be carried out. However, credit cards need to have sufficient overdraft limit and debit cards need to have sufficient account balance. \x0d\ Pre-authorization of credit card means that a part of funds is frozen by the merchant before the cardholder spends, and the merchant can formally deduct this part of funds after the cardholder signs it. For example, if you want to stay in a hotel, first tell the hotel how many days you will stay, and the hotel will freeze the expenses needed for these days from the credit card. After confirming the consumption amount when checking out, the hotel will complete the pre-authorization, so that the actual consumption amount will be deducted from the card and the hotel will receive the money. This ensures that the money in the cardholder's credit card is enough for current consumption. Advantages of \x0d\ pre-authorization: it can avoid the phenomenon of running orders as much as possible. If the guest leaves the hotel without checking out after completing the pre-authorization, the hotel can apply to UnionPay for completing the pre-authorization, and provide the guest consumption documents and pre-authorization documents. So UnionPay can transfer money from the traveler's card to the hotel account. \x0d\ The pre-authorization form and operation of credit card and debit card are the same, but the difference is the source of deposit. Credit card freezes the credit limit in the cardholder's bank card, and debit card freezes the deposit limit. Generally speaking, credit card pre-authorization is widely used, so it is recommended to use it.