Details are as follows:
1, Introduction
Bank card is a credit payment tool issued by commercial banks, postal savings institutions and other financial institutions to the society, which has all or part of the functions of consumer credit, transfer settlement and cash deposit and withdrawal. Bank cards include credit cards and debit cards. Because all kinds of bank cards are made of plastic, they are also used for deposit and withdrawal and transfer payment, so they are also called "plastic money".
2. Binding business
Judging 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 of the original contract. We should reach an agreement with consumers to minimize the adverse effects on consumers. The bank's card changing behavior will cause many inconveniences to consumers, such as time-consuming and laborious, and the original binding transaction needs to be readjusted due to the change of card number. In line with the principle of customer first, banks try to upgrade by changing cards instead of numbers.
3. Industry status
The report on the operation of the 20 14 payment system released by the People's Bank of China on February 5th shows that by the end of 20 14, 4.936 billion bank cards had been issued nationwide, an increase of 17. 13% over the end of last year. Among them, 448,654.38 billion debit cards and 455 million credit cards were issued.