Bank card type
I. Debit card:
Debit cards are divided into two types, namely:
1. savings card, which is issued by banks for general customers. The bank card we often talk about is this kind of card, which is mainly used for deposits.
2. The wealth management card is issued by the bank for high-end customers and can directly handle the related business of bank wealth management.
Second, the credit card:
Credit cards are also divided into two types, namely:
1. Credit card, which is what we often call a narrow credit card, can be used to make a one-time payment after consumption, but the deposit has no interest.
2. Quasi-credit card, which has some functions of credit card and debit card, can make small overdraft consumption with deposit interest, but its consumption amount is not as high as that of credit card, and the arrears must be paid off in one lump sum. Few people use this card.
3. In addition, bank cards can also:
According to different information carriers, it is divided into magnetic stripe card and chip card;
According to whether the issuer is in China, it is divided into domestic cards and overseas cards;
It is divided into personal cards and unit cards according to different issuers;
According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.
The difference between debit card and credit card
1, the credit card signature column has 7 digits, but most savings cards don't.
2. There are laser anti-counterfeiting labels on the back of credit cards, but there are few savings cards.
3. Almost all credit cards have the words "cardholder's signature, which is invalid without signature" under the signature column, while all savings cards only have the words "cardholder's signature" on the right side of the signature column.
Credit card can be overdrawn, but debit card is absolutely not allowed.
In addition, credit cards generally charge an annual fee, but debit cards don't.
4. The benefits of bank cards
1. Transfer payment function: after spending in some large shopping malls and restaurants, users pay their consumption accounts by bank card transfer instead of cash settlement, which reduces cash circulation and saves social development work;
2. Deposit function: users can go through the deposit and withdrawal procedures at the specific deposit outlets of the issuing bank. Because it will not be restricted by deposit and withdrawal addresses and savings institutions, it is more convenient and safer to apply than to deposit a bank passbook;
3. Discount function: users can swipe their cards in foreign online banks to handle deposit procedures and remit them back to local users; When using money, you can swipe your card at VIP member banks all over the country to handle withdrawal procedures, or you can swipe your card to remit your account to other places;
4. Consumer loan function: overdraft card allows users to cash out within the specified credit limit. Compared with ordinary loans, this function enables users to obtain loans without complicated audit procedures, which solves the temporary shortage of funds for users.