Ordinary bank cards are savings accounts.

Bank cards can be divided into debit cards (savings accounts) and credit cards (credit accounts). Generally speaking, the bank card you can get at a bank is a debit card, which is a savings account. A credit card is what is commonly known as a credit card, and its application has a strict approval system.

Debit card application: Any residents in China and foreign citizens holding valid documents issued by the country where they are located can apply for it at any bank branch with their valid personal identity documents and get it immediately.

The basic process of credit card application (taking online application as an example):

1. After entering the application page, select the application area, and the system will list the types of credit cards that can be applied for in that area. . Click Apply Now to enter the information filling page.

2. When applying, you must fill in true and valid application information, and the bank will automatically identify it.

3. Just submit the form after filling it out. The system will automatically conduct a preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.

4. The conditions for online application are basically the same as those for actual written application. Applicants must be over 18 years old and have a stable job and repayment ability. Extended information

Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Features:

Ease of use and popularity: Due to the ease of use and wide popularity of debit cards, debit cards are also one of the most commonly used payment tools in electronic trade. . Signature debit cards from some of the world's leading brands are accepted at more than 20 million points of sale worldwide. Ease of use is one reason why debit cards are becoming increasingly popular. Not only does a debit card save you the trouble of carrying cash, it's also easy to use, makes payments fast, and the monthly statement (or statement) clearly shows all transaction records.

Safe and reliable: Debit cards have the same security as credit cards. If you lose your debit card or suspect it has been stolen, you should report the loss to your bank immediately to prevent others from using it and reduce losses. Remember: Although the card issuer provides you with consumption protection, it does not mean that you can ignore your debit card; debit cards are like money in a bank account and should be properly kept.

Baidu Encyclopedia-Debit Card