How to distinguish whether an Industrial and Commercial Bank of China card is a non-deposit card or a credit card

The simplest way to distinguish a debit card from a credit card is:

On the surface of a debit card there is only , there is no owner's name, and generally there is no expiration date, while credit cards have the pinyin of the owner's name on the card, and the card is also marked with an expiration date.

How to tell whether a card is a savings card or a credit card (debit card)?

The card number of the debit card is 13 to 19 digits, and the credit card (credit card) card number is 16 digits, and the credit card (credit card) card will have credit

card, debit card will have the words debit card or debit card on the card face. As long as you rely on these two obvious characteristics, you can determine whether the card in your hand is a savings card or a credit card (debit card). Of course, users can also call the customer service of the card-issuing bank and be transferred to manual service to know whether the card in their hand is a credit card (credit card) or a savings card.

Credit cards (debit cards) are for overdraft consumption, while debit cards are for depositing money first and then spending. If there is no money in the card but you can spend it, you can also judge that it is a credit card (debit card).

How to determine whether it is a credit card or a debit card according to the bank

According to the bank, determine whether it is a credit card or a debit card: the debit card has 19 digits and the credit card has 16 digits of. And judging from the display on the card, the debit card does not have the pinyin of the cardholder's name printed on it, while the credit card has the pinyin of the cardholder's name on the front.

When swiping a card for consumption, the credit card can be overdrafted. There is no need to have a deposit in the card to swipe the card for consumption. If the limit is exceeded, it cannot be used. You can call customer service to apply for a temporary limit; for debit cards, a card must be requested. You can only swipe your card if there is a deposit inside.

Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The role of credit reporting:

1. The impact of credit reporting:

1. It will reduce the borrower’s loan amount.

2. Not giving borrowers preferential interest rates or increasing loan interest rates.

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

4. It has an impact on many fields such as job hunting, renting a house and even visas to go abroad.

5. Credit bureaus will be included in the central bank’s blacklist, which will bring a lot of inconvenience to life.

2. Behaviors that affect personal credit:

1. Late water bills, phone bills and other related expenses. These small things will affect your personal credit.

2. If the borrower’s debt is too high. Most people have already had car loan and house loan repayments exceeding 50% of the borrower's monthly income, and credit card repayments that exceed 50% of the borrower's monthly income will also be deducted. Be included in the bad credit reporting system.

3. The borrower applies for personal loan default. If there is any outstanding loan principal and interest or the guarantor is repaying the loan; if there is a loan extension record recently or within two years of using capital to offset the debt, it will also be included in the credit record list.

How to distinguish credit cards and debit cards?

Credit cards and debit cards look and function differently. Next, let’s take a look at how to identify credit cards and debit cards.

01

Functionally

Credit cards can be understood as a means of borrowing money from others. A certain amount of interest needs to be paid, but no items are required to be pledged; while savings A card can be understood as depositing your savings in a bank and charging a certain amount of interest.

02

Period

Credit cards are generally short-term and can be borrowed and repaid at any time. For example, if you take a loan from Huabei, you will generally borrow money this month and pay it back the next Monthly repayments can be made at any time; savings cards are generally long-term, such as more than one year.

03

Appearance

You can touch the text on credit cards and debit cards with your hands. You can see that the text on credit cards is concave and convex, while on savings cards The card text does not, it is flat.

04

In terms of overdrafts

Credit cards can be overdrafted, for example, you can overdraft about 5,000, while debit cards cannot be overdrafted, and generally can only be deposited.

How to distinguish between credit card (credit card) and debit card?

The methods to distinguish credit cards (credit cards) and debit cards are:

1. Distinguish by card information: Generally, the card number of a credit card (credit card) is 16 digits Number, the card number of a debit card is 19 digits; the card face of a credit card (credit card) has an expiration date, but a debit card does not; the card face of a credit card (credit card) has the pinyin of the cardholder's name, but a debit card does not; < /p>

2. Distinguish through bank services: you can call the customer service number, and after the call is connected, transfer to manual, tell the customer service the card number, and ask the customer service to help find out what card it is; you can also go to a local bank branch and ask the staff to help Query.

How to tell whether a bank card is a debit card or a credit card

You can identify it according to these methods:

1. There are clear "credit card" and "credit card" on the card surface. "Card" means credit card.

2. There is a laser anti-counterfeiting mark on the front of the credit card, but there is no laser anti-counterfeiting mark on the debit card (except for certain bank debit cards)

3. The credit card must have an expiration date.

4. The words "debit card", "savings card", "cash card", "MAESTRO" and "CIRRUS" clearly appear on the card surface are debit cards.

5. Credit cards are all embossed. Debit cards are either flat-printed or embossed.

6. The front of the credit card has the Chinese pinyin of the cardholder’s name, and some also have the gender “MR” and “MS”. A debit card is not necessarily available.

7. There is generally no need to enter a password when making a credit card purchase (except for Shenzhen Development Bank credit cards, CITIC Credit Cards, and some CCB credit cards). You only need to enter 6 or 4 digits on the password key to confirm.

8. Credit cards have expiration dates.

9. There is a CVV code for online payment on the back of the credit card.

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.[1-2]. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only. Baidu Encyclopedia

This ends the introduction on how to tell whether it is a credit card or a debit card and how to tell whether it is a debit card or a credit card. Have you found the information you need?