How to distinguish credit cards

How to distinguish between credit card and savings card?

Judging whether it is a credit card or a savings card according to the bank: the digits of the debit card are 19, and the digits of the credit card are 16. Moreover, from the display on the card, the debit card does not have the pinyin printing of the cardholder's name, while the credit card has the pinyin of the cardholder's name on the front.

When spending by credit card, credit card can be overdrawn. You can use a credit card. There is no deposit in the card. You can't use it if it exceeds the limit. You can call customer service to apply for a temporary limit. A savings card can only be swiped if there is money in it.

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.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Functions of credit investigation:

First, the impact of credit reporting:

1 will reduce the borrower's loan amount.

2. Do not give the borrower preferential interest rate or make the loan interest rate rise.

3. If there are many bad credit records, the borrower's loan application will be rejected directly.

4. It has an impact on recruitment, job hunting, renting a house, and even visas for going abroad.

5. Credit information difference will be blacklisted by the central bank, which will bring a lot of inconvenience to life.

Second, the influence of personal credit behavior:

1, arrears of water, telephone and other related expenses, these small things will affect your personal credit information.

2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system.

3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list.

How to distinguish between credit card and savings card?

Credit cards and savings cards are different in appearance and use. Next, let's see how to distinguish between credit cards and savings cards.

0 1

Functional aspect

Credit card can be understood as borrowing money from others, which requires certain interest, but does not require collateral; A savings card can be understood as putting your deposit in the bank and charging a certain interest.

02

deadline

Credit cards are generally short-term, and you can repay them when you borrow them. For example, you can borrow money from Baihua this month and repay it next month, but you can also repay it at any time. Savings cards are generally long-term, such as more than one year.

03

it seems

You can touch the words of credit card and savings card by hand, and you can see that the words of credit card are concave and convex, but the words of savings card are not. They are flat.

04

Overdraft aspect

Credit cards can be overdrawn, for example, about 5,000 yuan can be overdrawn, while savings cards can't be overdrawn, and generally only deposits can be made.

How to distinguish the types of traffic credit cards

The types of traffic credit cards can be distinguished by the first six digits of the credit card:

1. The top six credit cards of Bank of Communications are: 52 1899, 458 123, 622252 or 628216;

2. The top six gold cards of Bank of Communications are: 520 169, 458 124, 622253 or 628218;

3. The first 6 digits of the Platinum Card of Bank of Communications Credit Card are: 522964, 4349 10 or 622656.

Extended data

Bank of Communications credit cards are as follows:

Platinum credit card;

Bank of Communications Platinum Credit Card provides you with a full range of business or family travel services, including airport VIP room, drunk driving, road rescue, comprehensive protection for high-cost family travel and many other exclusive services, providing you with a platinum life experience.

Standard credit card;

Bank of Communications standard credit card provides perfect credit card financial services, password signature, free choice, interest-free repayment period of up to 56 days, as well as "enjoy life", "enjoy superiority" and other preferential plans, so that you can enjoy the endless fun brought by swiping the card.

Y-POWER credit card;

Y-POWER has two cards, black and white, which let you choose your attitude and show off your brilliance.

Hong Kong New World Department Store Credit Card;

Bank of Communications Hong Kong New World Department Store Credit Card is a joint card jointly launched by Bank of Communications and Hong Kong New World Department Store, including gold card and ordinary card.

Jinjiang Star Card of Bank of Communications;

Jinjiang Inn Credit Card of Bank of Communications is a credit card jointly designed by Bank of Communications and Jinjiang Inn Co., Ltd., which is tailor-made for business travelers, self-help families and travel enthusiasts.

TESCO Tesco credit card;

Bank of Communications joins hands with Tesco to present you with a Qvanxian Zhang Bank of Communications Tesco credit card.

Suning Appliance Credit Card;

Bank of Communications Pacific Suning Appliance Credit Card is a joint credit card jointly issued by Bank of Communications and Suning Appliance.

In addition, there are the following types of Bank of Communications credit cards: Rongcheng Credit Card, Shanghai Travel Credit Card, More Credit Cards, Official Cards, Bank of Communications Installment Credit Card, An Baili OK Credit Card, Liqun Credit Card, Pinghetang Credit Card of Bank of Communications, Jinling Life Credit Card, An Baili Oriental Credit Card, Kaitai Department Store Credit Card, Aviation Secretary Credit Card, Asia Miles Credit Card, Haagen-Dazs Credit Card, Yongda Automobile Credit Card, Self-mailing Family Credit Card, BBK Credit Card and so on.

Bank of communications credit card;

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."

Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing advanced technology and management from HSBC. It brings together the advantages of global and local countries, advocates a brand-new consumer culture and card experience with the theme of "China Global Card", and provides preferential and thoughtful services around the world.

How to see if your card is a credit card? There are several differences.

Card friends often apply for debit cards and credit cards in banks, but it is not clear which one is Zhang Cai's credit card. In fact, debit cards and credit cards are easy to distinguish. Just grasp a few points and let's take a look.

How to see if your card is a credit card?

1, look at the card face: many debit cards, except VIP customers in banks, generally do not have the pinyin of the cardholder's name, and even if they do, they are printed; Each card of a credit card will have the pressed three-dimensional pinyin of the cardholder's name. In addition, some debit cards have no expiration date, but all credit cards can.

2. Look at the cost: the credit card is free, the debit card charges, and the card handling fee is about 10 yuan, depending on the bank;

3. Look at the interest: both credit cards and debit cards can save money, but credit cards have no interest, while savings cards pay interest every quarter and are calculated on a daily basis, so even if the money is only through the card, there will be interest.

4. Look at the function: use a debit card to transfer money in mobile banking, which can be transferred without review, and the debit card can transfer100% of the total amount; And if you can't transfer money, or if the transfer requires bank review and the transfer amount is as high as 50%, it must be a credit card.

5, look at the bill: use both credit card and debit card, credit card will bill every month, using bank money, need to repay on the last repayment date; If you don't pay the bill, it's a debit card. You don't need to repay it with your own money.

The above is the related introduction of "How to see if your card is a credit card", and I hope it will help everyone.

How to distinguish the types of credit cards?

With the continuous cultivation of credit card market segments by banks, there are more and more types of credit cards, from ordinary cards to platinum cards, from co-branded cards to theme cards. How to distinguish various types of credit cards? In fact, there are only a few types of credit cards, such as classification, cardholder, storage medium, currency and card relationship.

grading

1 Puka

Entry-level credit card, the application conditions are relatively simple, the credit limit is usually below 10000 yuan, and most ordinary cards will not charge an annual fee. Some banks have a credit card limit of 50,000 yuan.

2. Gold card

Compared with Puka, Gold Card has a higher credit limit and some basic rights and interests. It can be understood as a premium card. Banks have stricter requirements for the examination of applicants. After all, the gold card enjoys more benefits, the amount is usually between 10000 and 500 million, and the annual fee can be basically exempted by swiping the card.

3. Platinum card

Compared with the first two cards, the Platinum Card is exclusive to high-end users, and the bank is strict with users. Generally speaking, it will require the user's economic income or assets deposited in the bank. The characteristics of platinum card are mainly reflected in the rights and interests, such as airport VIP, mileage exchange, golf and so on. Platinum card annual fee usually has some annual fees, and the method of annual fee exemption is special, so it is usually necessary to use the method of point redemption. There are also some banks that can waive the annual fee for platinum cards or small platinum cards with lower rights and interests by swiping their cards.

4. Diamond cards

Diamond card is a higher level than platinum card, which can show the identity of users and can be understood as VIP level. Banks will have very high requirements for users who apply for diamond cards. Generally speaking, the user's annual income will be more than one million, and there will be certain asset requirements, but the credit line corresponding to the diamond card is also in the million level.

5. Black card

The black card is legendary and is the highest-level "Centurion Debit Card" launched by AmericanExpress. On this planet, there are very few people with black cards, which are basically "heard of, never seen". Black card is an invitation system, which does not accept active applications. It is extremely private and has no quota. In Chinese mainland, only ICBC, China Merchants Bank and Minsheng Bank are authorized by American Express to issue "Centurion" black cards for their customers. Although there are some differences at home and abroad, the number of people invited in China is far lower than that of 1% bank customers. (The rights and interests of black cards are too legendary, so I won't go into details without personal experience. emm)

The following types are relatively simple: by cardholder, by storage medium, by currency and by card relationship.

Cardholder: personal card, company card.

According to storage media: magnetic stripe card and chip card.

By currency: single currency card and dual currency card.

According to the relationship between cards: main card and auxiliary card.

According to the distribution, it can also be divided into co-branded cards, standard cards and identity cards, and the most common one is the co-branded card.

Co-branded card: Co-branded card is a kind of bank card jointly issued by issuing bank and for-profit organization. The most common is the joint debit card. Co-branded cards not only have all the characteristics of bank cards-cash deposit and withdrawal, credit card consumption, transfer and so on. And some new functions have been added according to the agreement between banks and merchants.

Standard card: Standard card is a kind of credit card independently issued by banks, such as standard credit cards of various banks, classic platinum card of China Merchants Bank and so on.

For example, the UnionPay standard card is a bank card issued in accordance with the business and technical standards of China UnionPay. The card surface is printed with the "UnionPay" logo, and the issuer's ID number (BIN) is allocated and confirmed by China UnionPay. At present, the BIN range of UnionPay standard cards issued by China UnionPay member institutions is: 622 126-622925, all of which are "62" prefix cards, so they are also called "62" prefix cards.

ID card: ID card is a kind of card with public welfare function, and its function is basically the same as that of credit card. However, the identity card is jointly issued by the issuing bank and non-profit organizations, religious organizations or charities, and has the function of public welfare. Consumers apply for this card because of the recognition of this non-profit organization, and the bank will give back a certain proportion of cardholders' consumption to this non-profit organization. Domestic recognition of cardo is more common in colleges and universities, such as Tongji Card of China Bank and Jiaotong University Card of China Bank. In 2006, Taiwan Province Yushan Bank issued the identity card of MLB legend Zhang Jianmin.

It can also be classified by card organization, including VISA Visa, MasterCard, JCB Japan Financial Card, Discover Card, China UnionPay, Diners Card, NETS and so on.

How to distinguish a savings card from a credit card?

Savings cards and credit cards can be distinguished from each other on the card surface: 1, savings cards are generally 19 digits, and credit card standard cards are 16 digits; 2. The card face of the savings card has no validity period, and the validity period of the credit card is printed on the card face; 3. The savings card has no pinyin letters of the cardholder's name, but the credit card has pinyin letters of the cardholder's name on the surface. In addition, there is a CVV code for online payment on the back of the credit card, but not on the savings card.

This is the end of the introduction on how to distinguish credit card from gold card or platinum card. I wonder if you have found the information you need?