In appearance, bank cards are mostly made of plastic magnetic cards. There are some patterns embossed on the front and the name of the card issuer.

Note that the cardholder’s name, number, validity period and other information must also be printed on it. This information is embossed on the card.

The back of the card is printed with a magnetic strip recording relevant information, a signature strip for the cardholder to sign, and instructions from the card issuer.

Use bank card. When users purchase goods or enjoy services at an agreed store or service department, they do not need to pay cash. They only need to hand over their bank card and stamp the card number on the purchase form and fill in the amount. Then the cardholder signs.

There are many types of bank cards, which can be divided into the following categories according to different standards:

1. Bank cards are divided by currency: RMB cards, foreign currency cards

2. Bank cards are divided into: bank cards and non-bank cards according to the issuing institution.

3. Bank cards are divided into: corporate cards (commercial cards or company cards) according to the issuing objects. , Personal card

4. According to different information carriers, it is divided into: magnetic stripe card and chip (IC) card

5. According to customer quality status, it is divided into: gold card and ordinary card

6. According to the affiliation, it is divided into: main card and secondary card

7. According to the circulation scope, it is divided into: international card and regional card

8. The repayment methods are divided into: credit card, credit card and debit card

9.

Among them, the bank cards we usually use distinguish credit cards and debit cards according to the repayment method. Credit card.

Credit Card Classification

A credit card is a card that can be used to make overpayments. It is issued by banks to those with good credit standing.

There are certain differences between credit cards issued abroad and domestically. The difference is that in foreign countries, you consume first and then deposit, while in China, you deposit first and then consume. The biggest thing they have in common is that they allow overdrafts up to a certain amount, which is a way of borrowing money from the bank, which can solve the customer's temporary lack of money and facilitate customers' economic activities.

Credit card classification

According to the objects of use: corporate cards and personal cards

According to the credit rating: gold cards and ordinary cards

According to currency: RMB card and foreign exchange card

According to whether the reserve fund is deposited with the card-issuing bank, it is further divided into: credit card and quasi-credit card

Credit card: It 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.

Quasi credit card: A credit card that can be overdrafted on the credit line of Germinal Bank.