How can a credit card have two card numbers? One is UnionPay RMB card, and the other is multi-currency card of other brands. Two cards * * * use the account, and * * * enjoy the quota. For example, if the credit limit of this credit card is 10000 yuan, then the credit limit of 10000 yuan is shared by two cards.
Second, bank cards.
Bank card refers to a credit payment tool issued by commercial banks to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.
Third, the classification of bank cards.
Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders.
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 used for special purposes in a specific area. 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.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
In addition, bank cards can also
(1) is divided into magnetic stripe card and chip card according to different information carriers;
(2) According to whether the issuer is in China, it is divided into domestic cards and overseas cards;
(3) According to the different issuing banks, it is divided into personal cards and corporate cards;
(4) According to different account currencies, it can be divided into RMB cards, foreign currency cards and dual currency cards.