There are several types of credit cards

According to different payment methods, the types of credit cards can be divided into debit cards and debit cards; According to different card issuers, credit cards can be divided into bank cards and non-bank cards; According to the credit status of the cardholder, the types of credit cards can be divided into ordinary cards, gold cards and platinum cards; According to the different issuers, credit cards can be divided into corporate cards and personal cards.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. The disadvantages of credit cards are: high interest. If you can't handle the credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month); Credit cards that need to pay annual fees basically have annual fees, but basically there is a policy of exempting annual fees. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee. Stealing credit cards is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when lost or stolen, causing unnecessary trouble or loss.

what are the classifications of credit cards

There are different grades of credit cards, such as Puka, Gold Card, Platinum Card or Diamond Card. Card issuers will issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. Generally, ordinary cards are the lowest grade, and the credit line of high-grade credit cards is higher than that of low-grade credit cards.

Ordinary cards are the lowest-level credit cards issued by card issuers, and their credit lines are the lowest. The credit limit of ordinary cards in China is generally only 5 RMB.

A gold card is a credit card with a higher credit line than an ordinary card. Generally, banks do not directly handle gold cards for individuals who have no credit history of ordinary cards, and the approval of gold cards is stricter than that of ordinary cards. Applicants will be required to provide proof of income and good credit history.

platinum card, also known as diamond card, is a credit card issued by card issuers to distinguish it from gold card customers, and provides higher-end services and rights than gold cards, generally adopting a membership system. Usually, it has the service functions of global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas), and 24-hour global dedicated telephone service.

Platinum card (diamond card) is the highest level of credit cards issued by Chinese banks at present. The approval of Platinum card (diamond card) by banks is very strict, and the application conditions are also very harsh. Only a small number of high-income or leaders can apply. Its credit limit is generally 1 to 1 million RMB.

credit card products

according to different card issuers, they can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

international cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

What cards do credit cards include?

Credit cards refer to bank cards that can be overdrawn in advance. There are many kinds of cards. If they are classified according to some standards, credit cards can include many cards, such as main cards and supplementary cards, foreign currency cards and UnionPay cards. Let's take a look.

There are many types of credit cards. Here, credit cards are divided into these types according to four criteria:

1. According to credit card issuing organizations, they can be divided into international cards and unionpay cards

1. International cards: There are generally five major organizations for international cards, such as VISA, MasterCard, JBC, etc., and such cards can be unimpeded in institutions and outlets that can accept credit cards of this brand all over the world.

2 unionpay card: unionpay card refers to a credit card with unionpay logo, which is generally used in China, and can only be cashed at POS machines or ATM machines with unionpay logo in the world;

2. According to the card grade, it can be divided into ordinary credit cards and high-end credit cards

1 Ordinary credit cards: generally including general cards and gold cards, which are relatively easy to apply for;

2 high-end credit cards: including platinum cards, unlimited cards, diamond cards, etc., which require higher qualifications for applicants;

3. According to the subordinate relationship, it can be divided into the main card and the supplementary card

1. The main card is a credit card issued by the card issuer to individuals who have reached a certain age, have full capacity for civil conduct and have stable work and income.

2 supplementary card: supplementary card refers to the credit card issued by the card issuing agency when the principal cardholder applies for his parents, spouse, children or relatives and friends with full civil capacity.

4. According to different card issuers, it can be divided into corporate cards and personal cards

1. Corporate cards: also known as business cards, are credit cards issued by card issuers with business services as the core, which are specially designed for the needs of the company, and differentiate professional services such as employee credit lines, comprehensive statements, business travel preferential plans, etc., so as to prepare employees of the company for expenses such as business travel consumption and business entertainment.

2 personal card: it is a credit card issued by the card issuer to individuals with full civil capacity and stable work and income, which is different from corporate cards.

what are the types of credit cards?

Credit cards are divided into two types: credit cards and quasi-credit cards:

1. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay;

2. A 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.

1. According to different card issuers, it can be divided into bank cards and non-bank cards

1. Bank cards

This is a credit card issued by a bank. Cardholders can make purchases at special merchants of the issuing bank or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

2. Non-bank cards

These cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

2. According to different issuers, it can be divided into corporate cards and personal cards

1. Corporate cards.

corporate cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

2. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

3. According to the credit status of cardholders, they can be divided into ordinary cards and gold cards

1. Ordinary cards.

Ordinary cards are issued to cardholders with average economic strength, reputation and status, and their requirements are not high.

gold card. Gold card is a kind of high-paying membership fee and enjoying special treatment. 2. Credit card.

card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

Definition of credit limit:

Credit limit, also known as "credit limit", refers to a certain amount of credit limit granted by a bank to its basic customers, that is, enterprises can recycle so much money within a specified period of time. For example, if an enterprise applies for an export bill of exchange quota of 2 million US dollars a year, it can use the amount of 1 million US dollars five times (the procedure only needs to be handled once, and the other procedures are very simple), and if it is used ten times, it can use the amount of 2 million yuan, thus solving the short-term difficulties of the enterprise, improving the speed of enterprise capital circulation and improving the efficiency of enterprise capital use.

What are the types of credit cards

Credit cards can be divided into the following types according to four dimensions:

(1) Credit cards and debit cards according to whether they have the function of consumer credit;

(2) According to whether the reserve fund is paid or not, it can be divided into: credit card and quasi-credit card;

(3) According to the objects used, it can be divided into: personal card and company card;

(4) According to the credit rating, it can be divided into platinum card, gold card and ordinary card.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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.

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time. The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit card is to make money. Once it exceeds the time of interest-free repayment, it will charge high interest, usually five ten thousandths of interest every day.

Credit card application method:

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct financial source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

This is the end of the introduction about what kinds of credit cards there are and how to see what kind of credit cards they belong to. Did you find the information you need?