What is the Difference between a Heretic and a Schismatic, according Catholic and Orthodox tradition? (This question is aimed at the Roman Catholic and Eastern Orthodox perspective only)

What is the difference between a heretic and a schismatic, and what are the soteriological consequences of each?
Heretic are they who restricting belief to certain points of Christ's doctrine selected and fashioned at pleasure. They believe not what Christ really taught, but the suggestions of his own mind. - (Summa Theologica - Second Part of the Second Part - Question 11)

Schismatics are they who of their own will and intention separate themselves from the unity of the Church. It is to be noted that Schism is NOT the same as disobedience to authority. Some disobedience can be schematic in nature. But not every disobedience is a schism; In order to become Schism, along with disobedience to authority, there should be denial of Divine right of the Authority to command. Its is to be noted that because of this in Catholic and Orthodox tradition all Schismatics are Heretics too.