The main fields are different in external form, credit security level and scope of application.
1, external form: credit currency is money. It is stipulated by national laws, and it is compulsory to circulate independently in functions of money, and it does not contain any precious metals.
Credit card, also called debit card, is a kind of card. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick.
2. Security level: As a basic account product, ABC's credit currency adopts credit card standard, which has higher credit and security level than the virtual account products with payment or consumer credit function on the market.
3. Scope of use: Customers who hold the credit currency of Agricultural Bank of China can conduct online and offline UnionPay standard transactions with or without cards in any domestic consumption channels based on the existing acquiring network or inter-bank of Agricultural Bank of China, and the payment is convenient and safe.
Extended data:
How to apply for credit currency and credit card:
I. Credit card
Application conditions: You can apply for a Huinong credit card (personal card) as long as you have a fixed residence, stable income and full capacity for civil conduct in the place where the issuing bank is located. You can apply for supplementary cards for other people with full capacity for civil conduct.
Application materials to be provided: identity information must be provided, and the issuing bank has the right to request one or more credit certification materials such as income certificate, work certificate and asset certificate; If the card is opened by way of guarantee, the identity information and guarantee information shall be provided in accordance with the relevant provisions of the guarantee business of Agricultural Bank of China.
Second, credit currency.
Pre-credit customers of ABC can apply for credit currency through the counter and handheld banking client. When applying through the pocket banking client (the "credit currency" function under the pocket credit card section), the following conditions must be met at the same time:
1. Counter registered pocket banking business;
2. Open the message service business.
Customers with existing credit cards can apply directly through the handheld banking client.
The method of applying for credit currency by ABC Pocket Bank: Log in to the Pocket Bank APP, click "Credit Card → Credit Currency" on the homepage, and enter the credit currency application homepage to display your pre-credit line. You can click "Apply Now" to enter the application.