China Agricultural Bank Jinsui quasi-credit card is a RMB credit payment tool issued by China Agricultural Bank, which has the functions of consumption, transfer settlement, cash deposit and withdrawal, etc. Cardholders can also obtain certain overdraft facilities by virtue of their credit. Quasi-credit cards can be used in People's Republic of China (PRC) (China) (including Hongkong and Macau) and other designated countries and regions.

Since 20 16 12 1, in order to meet the requirements of the regulatory authorities, the quasi-credit card of ABC no longer supports overdraft transfer, but can support overpayment transfer. If you need an overdraft, you can withdraw cash by credit card. From 20 17 1.2, the functions of inter-bank overdraft cash withdrawal, overseas cash withdrawal of UnionPay and overseas balance inquiry of UnionPay are closed.

Quasi-credit cards are divided into gold cards and ordinary cards according to different credit ratings; According to different card issuers, it is divided into unit cards and personal cards; Personal cards are divided into main cards and supplementary cards; According to the information carrier, it is divided into magnetic stripe card, chip card and magnetic stripe chip composite card; Divided into single currency card, dual currency card and multi-currency card by currency; According to different card types, it can be divided into MasterCard (marked as 5359 1), Visa card (marked as 49 102) and UnionPay card (marked as 622820 and 622830).

Quasi-credit cards are divided into MasterCard (marked as 5359 1), Visa card (marked as 49 102) and UnionPay card (marked as 622820 and 622830) according to different card types.

MasterCard and Visa: It has the functions of consumption, transfer settlement, cash deposit and withdrawal, overdraft and so on. At present, neither MasterCard nor Visa has the function of overdraft withdrawal.

UnionPay standard card: In addition to the functions of MasterCard and Visa, due to its high credit limit, the maximum withdrawal amount is 100%, and it also has the function of micro-financing.

Quasi-credit cards cannot be overdrawn online.

Is the normal overdraft period of quasi-credit card 60? Days, the cardholder must repay the bank loan and corresponding interest within 60 days after the first overdraft occurs. The benchmark overdraft interest is 0.5 ‰ of the daily interest rate. Overdraft interest shall be calculated from the bank bookkeeping date (i.e. the first overdraft date), and simple interest shall be collected on a monthly basis, and adjusted according to the current interest rate adjustment of the People's Bank of China. There are no overdue fees and late fees.

reference data

Agricultural Bank of China. China Agricultural Bank Jinsui quasi-credit card business operation procedures. Beijing:? Agricultural Bank of China,No.: 2009680