Co-branded cards are subsidiary products of bank cards issued by commercial banks and for-profit institutions. At present, the most common is the joint debit card, that is, the bank card with joint nature developed on the basis of debit card.
Cardholders can enjoy the membership privileges of major shopping centers, well-known department stores, restaurants and other businesses only by virtue of the exclusive membership number printed on the card surface, reduce the burden of wallets and enjoy preferential prices, including the preferential prices of tickets for more than 200 popular scenic spots above 3a level in China, as well as the exclusive commodity discounts of many merchants holding tourist cards to varying degrees.
Extended data:
The operation form of joint credit card is that the card-issuing bank and airlines, telecommunications companies, shopping malls and other profit-making institutions jointly issue cards, and cardholders can enjoy a certain percentage of discounts provided by merchants when spending in these institutions. Now many banks have developed joint credit cards with the larger shopping malls in this city.
The card fee for a joint credit card is generally 19 to 45 euros. Card issuers and their cooperative merchants offer incentives and price reductions to credit card holders. This is a "real" credit card, because it can withdraw cash and pay for goods, which is recognized by all banking networks and businesses.
However, it should be noted that this is a loan card. Even if you only use it to withdraw 15 euros or pay 45 euros for gasoline, it is equivalent to using the recovered loan and paying its interest. Therefore, we must be cautious when using this joint credit card, and it is necessary to apply only if it is really a loyal customer of the business.
Baidu Encyclopedia-Joint Credit Card
Baidu Encyclopedia-China Construction Bank