Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.
A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Extended data:
function
1, cash deposit and withdrawal. Debit cards mostly have savings functions such as local and foreign currency, fixed account and current account. Debit cards can be used at.
Bank outlets and self-service banks can also withdraw money from ATMs (cash machines) throughout the country or even around the world.
2. Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels.
3. Credit card consumption. Cardholders can use debit cards to spend money at merchants.
4. Collection and payment. Debit cards can be used to pay salaries and pay various fees (such as communication fees, water fees, electricity fees, gas fees, etc.). ).
5. Asset management. Wealth management products, open-end funds, insurance, personal foreign exchange transactions, precious metal transactions, etc. You can sign contracts, trade and settle accounts through debit cards.
6. Other services. Many bank debit card services have expanded beyond financial services, such as providing airport VIP access and medical and health services for cardholders.
Features:
Ease of use and popularity: Debit card is one of the most commonly used payment tools in e-commerce because of its ease of use and wide popularity. More than 20 million outlets around the world accept signature debit cards from some international brands.
Ease of use is one of the reasons why debit cards are becoming more and more popular. Debit card can not only save you the trouble of carrying cash, but also be convenient to use and pay quickly. The monthly statement (or statement) can clearly show all transaction records.
Safe and reliable: Debit cards are as safe as credit cards. If your debit card is lost or suspected of being stolen, you should report the loss to your bank immediately to prevent others from stealing and reduce losses.
Remember: the issuing bank provides you with consumer protection, which does not mean that you can care about your debit card; Debit cards, like money in bank accounts, should be properly kept.
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