Gold generally represents gold cards, VIP customers, black and platinum customers, which are higher than gold cards, and other colors represent ordinary cards. (1) CITIC: The VIP card is silver, called Platinum Card, and the ordinary card is blue.

(2) ICBC: light pink for ordinary cards, gold for VIP cards.

(3) China Merchants Bank: blue for regular cards, black for VIP cards

Cards of different colors represent different levels, and cards of various colors from different banks also represent different function. For example, the ordinary card of ICBC is light pink, while the ordinary card of China Merchants Bank is blue. This is different for each bank.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

Binding business

From the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change to the original contract. Consensus should be negotiated with consumers and adverse effects on consumers should be minimized. Bank card replacement will cause many inconveniences to consumers. For example, card replacement is time-consuming and labor-intensive, and original bound transactions need to be readjusted due to changes in card numbers. Banks should adhere to the principle of consumer first and try their best to upgrade cards without changing numbers. Way.

It should be reminded that although many banks have launched the "replace core without changing number" service, they are only available for certain bank cards and customer groups. Many banks reminded that when changing cards, the card number will be changed at the same time. Citizens should pay attention to the fact that some services previously bound to bank cards need to be re-processed, such as water, electricity, gas, housing loans, car loans and other withholding services, as well as bound credit card accounts, Alipay Accounts, securities accounts, etc. must be re-opened as soon as possible

Card types

Classification methods

Under normal circumstances, bank cards are determined by whether they grant credit to the cardholder. The limit is divided into credit card and debit card. In addition, bank cards can also

be divided into magnetic stripe cards and chip cards according to different information carriers;

are divided into domestic cards and overseas cards according to whether the issuer is in the country;

It is divided into personal cards and corporate cards according to the issuing objects;

It is divided into RMB cards, foreign currency cards and dual-currency cards according to the account currency.