请问信用卡和借记卡的区别是什么？银联卡是不是包括它们呢？
推荐回答（5个）
1.信用卡和借记卡最主要的区别是信用卡可以透支，而借记卡不可以。
2.银联卡包括信用卡与借记卡。
补充：银行卡分类
（一）银行卡分为信用卡和借记卡
信用卡又分为贷记卡和准贷记卡。
贷记卡是指发卡银行给予持卡人一定的肢凳信用额度，持卡人可在信用额度内先消费、后还款的信用卡。
准贷记卡是指持卡人先按银行要求交存一定金额的备用金，当备用金不足支付时，可在发卡银行规定的信用额度内透支的信用卡。
(二)借记卡按功能不同分为转账卡、专用卡、储值卡。借记卡不能透支。
转账卡具有转账、存取现金和消费功能。
专用卡是在特定区域、专用用途（是指百货、餐饮、娱亮饥陵乐行业敬戚以外的用途）使用的借记卡，具有转账、存取现金的功能。
储值卡是银行根据持卡人要求将资金转至卡内储存，交易时直接从卡内扣款的预付钱包式借记卡。
信用卡可以透支，但存款没有利息。借记卡不可以透支，但有存款利息。信用卡和借记卡都是银联卡。
现在发行的银行卡(信用卡 借记卡 )都属于银联卡.早期的不能跨行的卡不属于银联卡.
信用卡也就是借贷卡，而借记卡就是我们平时用的储蓄卡。借记卡和借贷卡都是银联卡的！
信用卡是可以透支的，一定限额的透支，在规定猛派亏羡档期内还清就行，借记卡不能透支，只能存取和消费，银联是指枝神此卡可在其他行的ATM机上取款，角上有银联的字样，现在基本上都是银联的
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