There is the word Agricultural Bank of China on the upper left side of the front of the card, and the card number and other words on the front.

1. Agricultural Bank of China Card

Agricultural Bank of China cards can generally be divided into: debit cards according to type. Credit card. Quasi-credit card.

The Golden Harvest Debit Card is a physical medium payment tool issued by the Agricultural Bank of China. Overdraft is not allowed. The Jinsui debit card can be used within the territory of the People's Republic of China and other designated countries and regions.

The Jinsui debit card is a financial payment instrument issued by the Agricultural Bank of China with all or part of the functions of cash deposit and withdrawal, transfer settlement, consumption, and financial management. Focusing on the needs of users, Golden Harvest Debit Card has formed a multi-level product system, including: Golden Harvest Debit Card Card, Golden Harvest Debit Card Gold Card, Golden Harvest Debit Card VIP Card, Golden Harvest Constellation Card and Jinsui campus card and other national unified brands.

Relying on a strong service network and rich service channels, Jinsui debit card serves the daily financial needs of the vast majority of Chinese people and has become an indispensable financial partner in the lives of cardholders.

Credit cards are divided into quasi-credit cards and credit cards. Golden Harvest Credit Card refers to a credit payment instrument issued by Agricultural Bank of China, which gives cardholders a certain credit limit. Cardholders can consume within the credit limit and then repay, and enjoy a certain period of interest-free period. It has consumer credit, advance payment and other credit card functions. Borrow cash and other functions.

Among them, credit cards are divided into quasi-credit cards and credit cards, debit cards are divided into national issuance and local issuance, co-branded cards are classified according to the industry of the co-branded unit, and each type of card is introduced according to the time of issuance.

2. Bank card classification

1. Debit card

Debit cards are divided into transfer 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. A special card is a debit card used in a specific area and for special purposes (referring to 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.

Debit card (debit card) can be used for consumption online or at POS, or transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

2. Credit card

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Credit card

Credit card (Credit card), often called credit card, refers to a certain credit limit given by the issuing bank to the cardholder. The cardholder can use the credit limit within the credit limit. A credit card where you spend first and pay later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

Quasi-credit card

A quasi-credit card is a single-currency, single-account credit card that bears interest on deposits and settles card purchases in RMB. It has the functions of transfer settlement, cash deposits and withdrawals, Credit consumption, online banking transactions and other functions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.