Types of bank cards \ x0d \ x0d \ (1) Bank cards are divided into credit cards and debit cards \x0d\\x0d\ Credit cards are divided into credit cards and quasi-credit cards. \ x0d \ x0d \ credit card refers to the credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay. \ x0d \ x0d \ 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. \ x0d \ x0d \ Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. \ x0d \ x0d \ transfer card has the functions of transferring money, depositing and withdrawing cash, spending, etc. \x0d\\x0d\ special card is a debit card with special purpose (except for department stores, restaurants and entertainment industries) and has the functions of transferring money and depositing and withdrawing cash. \ x0d \ x0d \ 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. \x0d\\x0d\(2) Other classifications of bank cards \x0d\\x0d\ Bank cards are divided into corporate cards and personal cards according to different card issuers; Divided into RMB cards and foreign currency cards according to different currencies; According to different information carriers, it can be divided into magnetic stripe card and chip card. \x0d\\x0d\2。 Bank card application \ x0d \ x0d \ Individuals applying for a bank card must provide their valid identity documents specified by the public security department; The unit applies to the People's Bank of China for a permit to open a basic account. \ x0d \ x0d \ Cardholders can ask the issuing bank for the articles of association of the bank card, stating the types of the bank card, restrictions on its use, interest standards and the rights and obligations of both parties. \x0d\\x0d\3。 Use of bank cards \ x0d \ x0d \ Bank cards and their accounts are only for the cardholder's own use and may not be rented or lent. \ x0d \ x0d \ According to the types of bank cards, cardholders can enjoy the following services: \ x0d \ x0d \ (1) Consumption \ x0d \ x0d \ cardholders can shop at special merchants or pay the service fee according to the scope and mode of use specified by the issuing bank. Usually, they show their bank cards and enter the reserved password, or show their identity documents. \x0d\\x0d\(2) Deposit and withdrawal, remittance \ x0d \ x0d \ Cardholders can use their bank cards for deposit and withdrawal (including remote and inter-bank withdrawals) and remittance. \x0d\\x0d\(3) Overdraft \x0d\\x0d\ Credit card holders can also apply for a certain amount of credit overdraft. \x0d\\x0d\(4) Company card \x0d\\x0d\ Cash is not allowed to be deposited and withdrawn, and all funds in the company card are transferred out of basic account and deposited. The unit card can handle the settlement of commodity trading and labor supply funds, but it shall not be overdrawn. \x0d\\x0d\4。 Interest calculation and charging of bank cards \ x0d \ x0d \ Banks do not pay interest on deposits in credit cards and stored-value cards. \ x0d \ x0d \ Pay interest on deposits in quasi-credit cards and debit cards (except stored value cards) according to the regulations of the People's Bank of China. \x0d\\x0d\ Credit card overdraft non-cash transactions can enjoy interest-free repayment period, and the longest interest-free repayment period is 60 days. During the interest-free repayment period, the cardholder does not need to pay overdraft interest for non-cash transactions. However, if the cardholder overdraws beyond the credit limit stipulated by the bank or chooses the minimum repayment amount (the credit card cardholder cannot repay in full during the interest-free period, but chooses to repay according to the minimum repayment amount stipulated by the issuing bank), he will no longer enjoy interest-free treatment. \ x0d \ x0d \ Debit card holders do not enjoy the interest-free repayment period and the minimum repayment amount, and pay overdraft interest at a daily interest rate of 0.5 ‰. \ x0d \ x0d \ If the credit card overdraft exceeds the bank's credit limit and the minimum repayment amount cannot be returned, the bank will charge 5% of the overdraft limit and the minimum repayment amount as overdue fees. \x0d\\x0d\5。 Loss reporting of bank cards \ x0d \ x0d \ Cardholders can report the loss through 24-hour loss reporting service telephone or written loss reporting, and the responsibility for loss reporting should be clearly stipulated in the articles of association of the bank card and the relevant agreements of the issuing bank. \x0d\\x0d\6。 Universal bank card networking \ x0d \ x0d \ universal bank card networking refers to the bank card business institutions using their own network systems, terminal equipment, special merchants and technical services to connect with the bank card inter-bank information exchange system to realize universal bank card networking. \ x0d \ x0d \ networked bank card holders can make cross-bank withdrawals at ATMs of any networked bank, spend money at any networked POS machine, and make cross-regional withdrawals and shopping. \x0d\\x0d\ At present, bank card users can withdraw cash and spend money across banks. In other places, as long as the local bank posts the "UnionPay" sign, cardholders can withdraw cash and spend money across regions. \x0d\\x0d\ When a cardholder withdraws money from a bank in the same city or in a different place, the bank will charge a handling fee not exceeding that of 2 yuan (cross-regional withdrawal handling fee is not included for withdrawals in different places).