knowledge expansion:
the difference between convenience cards and credit cards is that convenience cards can enjoy convenience services besides the functions of ordinary credit cards, but ordinary credit cards can't. Convenience card is a kind of credit card, which is also called credit card. It is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
Requirements for convenience card:
1. Applicants must be at least 18 years old.
2. Applicants must be natural persons such as farmers, merchants, urban residents and public officials.
3. The applicant's personal credit is good.
4. The applicant must have a stable job and economic income
Credit card:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the billing date. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.