How to tell whether a credit card is a regular card or a gold card

Simply talk about the appearance. The colors are different, the gold card is gold and the ordinary card is blue, green and pink. Most banks are like this.

You can check in the following ways:

1. Check whether it is a gold card by calling the customer service hotline.

2. Determine it by the type of card. For example, youth card is a gold card.

3. Make inquiries through the online customer service on QQ or WeChat.

A certain amount of fees will be charged for withdrawing the overpaid funds when credit card customers repay the funds or the funds deposited in the credit card account. This amount can increase the available limit of your credit card or be used directly for consumption repayment.

If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayment.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The functions of credit cards:

1. It facilitates people’s lives and saves the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe the card anywhere in the country, As long as there is a UnionPay logo, you can swipe it, and there is no handling fee;

2. You can participate in various discounts and discounts organized by merchants and banks;

3. You can get rewards by swiping your card for consumption Points can be redeemed for gifts;

4. Timely repayment after swiping the card can improve personal bank credibility.

Uses of credit cards:

1. Shopping.

2. Microcredit.

3. Save money.

4. Save money when shopping.

5. Credit card value-added services, get cheap insurance and travel.

6. Credit certificate.

Credit card cash withdrawal methods are:

1. Cash withdrawal at the counter:

Card holders can bring their credit card to any bank counter and submit a cash withdrawal application to the staff. , and then enter the withdrawal password with its help to withdraw cash.

2. Bind the card to withdraw cash:

The cardholder can bind the credit card to a peer savings card in credit card online banking, and then transfer the credit limit to the savings card. Then use the debit card to spend, this behavior is also called cash withdrawal.

3. Withdraw cash from an ATM teller machine:

Insert your credit card into the ATM teller machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

The methods of credit card repayment are:

1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.

2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.

3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to repay after binding the credit card.

4. WeChat repayment. There is a credit card repayment function on WeChat. Click "Me" - "Pay" to see the "Credit Card Repayment" function.

5. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.

How to distinguish credit cards and debit cards

1. Consumption method: Credit cards can consume first and then repay, while debit cards deposit first and then consume. The order of deposits and consumption directly determines The nature of credit cards and debit cards is also the biggest difference between credit cards and debit cards.

2. Application method: The threshold for applying for a credit card is relatively high, and the requirements for the cardholder’s credit record, income level, repayment ability, personal situation, etc. are relatively high. The application can only be obtained more than ten days after the application is submitted. result. There is almost no threshold for applying for a debit card. As long as you provide your identity document, you can complete the application and get the card in real time.

3. Annual fee standard: The annual fee for credit cards is relatively high, and the annual fee gap between different types of cards is also large, ranging from dozens of yuan to hundreds of yuan; the annual fee for debit cards is generally only 10 yuan, maybe a few dozen yuan at most.

4. Impact on personal credit: Since the debit card does not have an overdraft function, every expenditure and consumption incurred through the debit card is your own money and has nothing to do with the bank. Credit cards are different. Each credit card has a billing date and a final payment date every month. If the cardholder repays overdue, a bad credit record will be generated, which will affect the cardholder's future mortgage, car loan, study abroad loan, etc. Apply.

5. Security: In order to ensure the security of credit cards, banks have taken many measures, including 24-hour monitoring of cardholders’ card transactions, consumption patterns with password signatures, etc., and the security of bank cards It is relatively weak.

How to determine whether a credit card is a malicious overdraft?

Today, the most common financial crime is credit card crime, among which the main crime is malicious overdraft credit card crime. Credit card itself is a payment method that consumes first and repays later. Allowing overdraft is an important feature of credit card. So how to judge whether the credit card is maliciously overdrafted?

First of all, we need to understand what are the common malicious credit card overdraft behaviors?

1. Whether the overdraft limit is exceeded or not depends on whether the balance of the credit card account exceeds the limit;

2. The principal and interest of the overdraft has not been repaid within the prescribed period. Continuing to overdraft;

3. Failure to obtain authorization from the card issuer before overdrafting or overdrafting, including evading authorization, forging authorization, and defrauding authorization;

4. The person who overdrafts subjectively There is an intention to illegally occupy the funds of the issuing card.

Malicious overdraft

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank.

Criminal liability should be pursued for malicious overdrafts, but if all the overdraft interest has been repaid after the public security organ files the case and before the people's judgment is pronounced, the person may be given a lighter punishment. If the circumstances are minor, the penalty may be exempted. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.

Legal Basis

Article 196 of the "Criminal Law": Credit card crimes, crimes involving one of the following circumstances, credit card activities, if the amount is relatively large, shall be sentenced to not more than five years Or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances, If there are other particularly serious circumstances, he shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated:

(1) Using a forged credit card, or using a false identity Proving that the credit card was obtained fraudulently;

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious Overdrawn.

What are the characteristics of credit cards? How to identify a credit card?

Halo~~You don’t even know what type of card you have? How did you do it? \\Credit cards are issued by commercial banks to individuals and organizations. They are used to purchase and consume from special entities and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the name of the issuing bank, validity period, and Number, cardholder name, etc., and a card with a magnetic stripe and signature strip on the back. What we call credit cards now generally refers to credit cards only. In layman's terms, a credit card is a small loan payment tool provided by banks to users to consume first and repay later. That is, when your shopping needs exceed your ability to pay or you do not want to use cash, you can borrow money from the bank. This kind of borrowing does not require any interest or handling fees. A credit card is a certificate that a bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, you can also withdraw cash directly from the ATM machine when there is no money in your credit card.

\\Characteristics of credit cards\Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can make ordinary purchases without cash in the card. In many cases, you only need to return the consumed amount on schedule 1. You can overdraft for consumption without depositing, and you can enjoy an interest-free period of 20-50 days and repay on time without charging any interest. 2. Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts. 3. You can enjoy discounts when using the card at the bank's designated merchants. 4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life. 5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo. 6. Various discounts and lucky draws throughout the year, so you can always be surprised just by using the card. 7. Free monthly mailing statements, allowing you to transparently control every consumption expenditure. 8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures. 9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB. 10. The toll-free 800 hotline provides 24-hour service. Reporting loss will take effect immediately, and there is zero risk of losing the card.

How to identify a problem with a credit card?

If a message is sent saying that the credit card has false transaction characteristics, first check your credit card transaction records to see if there is frequent consumption behavior. You can also directly call the credit card customer service number for consultation to learn more about the false credit card. As for the reason for the transaction, if you are swiping your card normally for consumption, you can directly explain the reason to the customer service, because this SMS notification is only recognized by the bank's risk control system, and is mainly for cashing out otherwise, you can just ask the bank staff to note your normal consumption. If it is due to other reasons, ask the staff what the solution is.

1. Brief description of false credit card transactions

False credit card transactions mean that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but uses other methods to withdraw cash. A behavior that is listed in the credit card limit but does not withdraw fees from the bank. If it is discovered that a false transaction was made through cash withdrawal, the bank's risk control system will take control and reduce the amount or block the card depending on the severity of the case. You may even be held criminally responsible. After all, cashing out is an act that disrupts the financial market and is harmful to banks and financial markets. poses a significant risk to its normal operation.

2. Tips for using credit cards

1. If the cardholder’s behavior of using cash out is detected by the bank, the credit limit will be reduced or the card will be suspended, which will have a negative impact on personal credit. record adverse effects.

2. Cashing out online can easily cause cardholders to fall into a vicious cycle of "using cards to support cards" and "using debt to support debts", and easily fall into financial difficulties.

3. In addition, some criminals may use the identity of an online intermediary to defraud the cardholder’s personal information and steal funds in the name of applying for a credit card or withdrawing funds, or most cash-out websites do not have After formal registration or filing, the risk of cardholders leaking personal information increases.

3. Legal Basis

According to the relevant provisions of the "Interpretations of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards", the cardholder illegally Malicious overdraft through POS machines for the purpose of possession will be convicted and punished as a credit card crime in accordance with the provisions of Article 196 of the Criminal Law.

How to judge whether a credit card has been risk controlled and what are the signs

When anyone uses a credit card, if there are any violations, the bank can easily control the risk. So how do you tell if your credit card has been risk controlled? What are the signs for each bank? Today I will briefly talk about this issue, hoping it will be helpful to everyone.

1. Bank of China

The temporary limit of Bank of China's credit card is an important factor in determining whether it is risk controlled. After all, the temporary limit of Bank of China's credit card is available all year round. If you cannot get it, , will probably be locked in a dark room.

2. Shanghai Pudong Development Bank

If the Shanghai Pudong Development Bank credit card under my name does not have a limit within 2 years, and I place a universal deposit and borrow it and repay it at any time, the limit is only half of the fixed limit, then It’s also about the possibility of a dark room.

3. China Guangfa Bank

If the user’s Guangfa credit card does not have financial funds and no temporary limit, the bill cannot be installments, and the consumption amount cannot exceed 5,000 yuan, then you may need to be careful. It is likely to be investigated.

4. China Merchants Bank

Users can log in to China Merchants Bank Mobile Life. If they find that they cannot apply for bill installments, cash installments, E-loans, or temporary quotas, then basically It's closed down.

The above is all about "How to judge whether a credit card has been risk controlled?", I hope it can help you. Generally speaking, although the manifestations of risk control on credit cards of various banks are different, they are ultimately reflected in the inability to withdraw funds, no temporary limit, and the inability to process bill installments, cash installments and other services. Everyone can pay more attention to their credit card situation, find out the possible reasons and correct them in time.

This is the end of the introduction on how to judge credit cards.