What cards do credit cards include?

Credit cards refer to bank cards that can be overdrawn in advance. There are many kinds of cards. If they are classified according to some standards, credit cards can include many cards, such as main cards and supplementary cards,++cards and UnionPay cards, etc. Let's take a look.

There are many types of credit cards. Here, credit cards are divided into these types according to four criteria:

1. According to credit card issuing organizations, they can be divided into international cards and unionpay cards

1. International cards: There are generally five major organizations for international cards, such as VISA, MasterCard, JBC, etc., and such cards can be unimpeded in institutions and outlets that can accept credit cards of this brand all over the world.

2 unionpay card: unionpay card refers to a credit card with unionpay logo, which is generally used in China, and can only be cashed at POS machines or ATM machines with unionpay logo in the world;

2. According to the card grade, it can be divided into ordinary credit cards and high-end credit cards

1 Ordinary credit cards: generally including general cards and gold cards, which are relatively easy to apply for;

2 high-end credit cards: including platinum cards, unlimited cards, diamond cards, etc., which require higher qualifications for applicants;

3. According to the subordinate relationship, it can be divided into the main card and the supplementary card

1. The main card is a credit card issued by the card issuer to individuals who have reached a certain age, have full capacity for civil conduct and have stable work and income.

2 supplementary card: supplementary card refers to the credit card issued by the card issuing agency when the principal cardholder applies for his parents, spouse, children or relatives and friends with full civil capacity.

4. According to different card issuers, it can be divided into corporate cards and personal cards

1. Corporate cards: also known as business cards, are credit cards issued by card issuers with business services as the core, which are specially designed for the needs of the company, and differentiate professional services such as employee credit lines, comprehensive statements, business travel preferential plans, etc., so as to prepare employees of the company for expenses such as business travel consumption and business entertainment.

2 personal card: it is a credit card issued by the card issuer to individuals with full civil capacity and stable work and income, which is different from corporate cards.

what are the international credit cards

what are the international credit cards

what are the international credit cards? International credit card is a card issued by the bank in conjunction with the international credit card organization to people with good credit standing and make overdraft consumption on a global scale, which is very beneficial to friends who travel abroad. Let me tell you something about international credit cards.

What are the international credit cards 1

1. What is an international credit card

An international credit card is a card issued by banks and international credit card organizations to those with good credit standing and can be used for overdraft consumption on a global scale. At the same time, it is also used to confirm the identity of users on the international network.

II. Overview of International Credit Cards

Cards issued by members (banks) of international card-issuing organizations can be signed by the special agents of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. Among them, VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.

Generally, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). The common credit card brands in the world are mainly Visa, MasterCard, etc. All major domestic commercial banks also offer international credit card services, so you can easily apply for credit cards at the bank counter. It should be noted that there is no interest on deposits in international credit cards.

iii. featured international credit card

1. ICBC Peony International Credit Card

can open both RMB account and US dollar (or Hong Kong dollar) account, which can be used for domestic credit card consumption, cash access and inquiry at ICBC's national business outlets or UnionPay ATM machines, and can also be designated by VISA, MasterCard or AmericanExpress cards.

RMB account and++account (USD or HKD) have their own credit lines, which do not affect each other. In addition, the US dollar account can be used for shopping on foreign websites, and the unique online transaction switch function of Peony International Card fully guarantees your card safety.

2. Agricultural Bank of China Jinsui Credit Card Dual-currency Card

Dual-currency credit cards issued by Agricultural Bank of China are Visa and MasterCard, and other special cards include Jinsui Platinum Card, Jinsui International Travel Card and MasterCard HNA Co-branded Card. The dual-currency card has two accounts, RMB and USD, and both accounts enjoy a credit line. Overseas non-UnionPay POS consumption and overseas ATM withdrawal use US dollar accounts, and there is no handling fee for consumption. For cash withdrawal, a handling fee is charged at 3% of the transaction amount (minimum of US$ 3). If the local currency is non-USD, an international settlement fee will be charged, which is 1% for Visa and 1% for MasterCard. 1%。

3. BOC Great Wall International Card

Chip (EMV) credit cards that meet international standards are available in US dollars, Hong Kong dollars, euros and pounds. It can be spent by more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world, and it can also be used for cash withdrawal at member banks, and it can also be used at ATMs marked with "PLUS" or "CIRRUS" around the world. In addition, you can also pay related fees online.

4. Bank of China Great Wall International Zhuojuan Card

A credit card specially designed for overseas students, with products, services and discounts that comprehensively take care of the needs of overseas students. Zhuo Juan card has a choice of euro card and pound card. Parents can pay the living expenses of studying abroad for their children in China through various repayment methods.

5. Dual-currency international credit card of China Merchants Bank

China Merchants Bank has many types of dual-currency international credit cards, among which aviation credit cards have cooperation with many airlines. For example, China Merchants Bank and ANA jointly launched ——ANACard, the first foreign airline joint credit card in China. Credit card consumption can accumulate mileage; If you pay the full plane ticket or 8% of the tour fare with this card, you will get an aviation accident insurance of up to 2 million yuan.

6. CITIC Dual-currency Credit Card

CITIC Dual-currency Credit Card (RMB and USD, RMB and HKD) can be used by more than 27 million merchants with VISA logo around the world, and can also be cashed out 24 hours at more than 7, ATMs around the world. CITIC Credit Card also provides aviation accident insurance of up to 15 million yuan, and the "4" Mandarin global customer service hotline provides 24-hour free service.

7. CCB Business Travel Series Dual Currency Credit Cards

Many credit cards in CCB Business Travel Series, such as China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card and Mango Travel Dragon Card, are dual currency credit cards. For example, China Eastern Longka is an aviation joint credit card jointly issued by CCB and Eastern Airlines. This card is a combination of Longka dual-currency credit card and Oriental Miles membership card. Besides accumulating Oriental Miles points, it can also receive high aviation accident insurance. If the domestic flight of China Eastern Airlines is delayed for more than 4 hours, it can also receive flight delay insurance and baggage delay insurance.

8. Bank of Communications dual-currency credit card

adopts the form of main card and supplementary card, which can be used all over the world. There is no handling fee for consumption, and the longest interest-free period is 56 days. It can also be withdrawn urgently abroad. I will send you the child's consumption bill on time every month, or I can start the banking service, and every child's consumption detail will be sent to your mobile phone in the form of short message at the first time. If the credit card is lost, you should immediately call 86-489888 to report the loss overseas in order to avoid losses.

IV. Precautions

1. Adjust the credit card limit

Usually, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 2, yuan, which is usually not needed, and in case the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, for example, setting a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so as to change the credit card consumption limit.

2. Turn off the ATM withdrawal function of the credit card

It is basically useless to use the credit card to withdraw money at the ATM, and its interest is surprisingly high. Once the credit card is stolen, it will bring more risks, so it is recommended to turn off the ATM withdrawal function of the credit card.

6. which is more secure, signature or password?

signature is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signature, especially through online banking. Generally, as long as the cardholder's name,++,credit card expiration date and inquiry password are known, it may be stolen. Therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once credit cards are fraudulently used, the rights and interests of cardholders who use signatures can often be better protected and compensated.

What are the international credit cards? 2

1. VISA

Visa is also translated as VISA)

VISA, Huicai Card and Visa Card. It is a credit card brand. In 1959, Bank of America began to issue Bank of America cards in California, USA, and Visa cards were issued in 1976. In 1977, Visa was officially used as the symbol of the organization, called Visa. VISA card is a credit card issued by Visa International at the end of 1982. It can be accepted at more than 29 million merchant trading points around the world, and it can be used to withdraw cash from 1.8 million ATMs, which is convenient.

2. MasterCard

MasterCard International established an internationally accepted credit card system from the late 195s to the early 196s, which immediately became popular in the world. In 1966, the Bank Card Association was formed. In 1969, the Bank Card Association purchased the patent right of MasterCharge, and unified the name and style design of credit cards of various card issuers. In the following ten years, the original name of MasterCharge was renamed MasterCard.

3. American Express

Since the first American Express card was issued in 1958, so far, American Express has issued American Express cards in 49 currencies in 68 countries and regions, and built the world's largest self-contained network of special merchants, with more than 6 million high-quality cardholders. Founded in 185, American Express Company's initial business was to provide express service. With the continuous development of business, American Express took the lead in launching traveler's checks in 1891, mainly for high-end customers who often travel. It can be said that American Express has served high-end customers for a hundred years, and has accumulated rich service experience and a huge group of high-quality customers. There are Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card and Minsheng American Express Card.

4. Diners Club

Diners Club was founded by the entrepreneur FrankMCMamaca in /195. It was the first plastic payment card and eventually developed into an international credit card. In 1981, Citibank, the holding company of Citibank, the largest retail bank in the United States, accepted the DinersClubIntenational card. The main advantage of Diner's Card Company is that it increases its sales in undeveloped areas and consolidates its strong position in the credit card market. The company has strengthened its position in the international market by forming a reciprocal agreement between Dalai's cash exchange network and ATM network.

China Industrial and Commercial Bank (ICBC) introduced RMB/USD dual-currency card, the first Dalai brand in mainland China.

5. JCB (Japanese Credit Bureau)

JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank, Shinji Bank, Mitsui Bank, Concord Bank and Daiwa Bank in 1961. The credit card has been issued and circulated in 19 countries and regions in the world in 213. They are both the top five international credit card brands and the only international credit card brand originating from Asia.

JCB pays special attention to China, South Korea and other countries and regions. In China, nine banks have issued JCB credit cards, including China Bank, Shanghai Bank, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and China Industrial and Commercial Bank, with more than 5 million cardholders.

what do the first digits of a credit card++stand for?

first, the first digit of credit card++can distinguish card-issuing organizations. Generally, cards starting with 6 are UnionPay cards, cards starting with 4 are cards with Visa logo, cards starting with 5 are cards with Master, and cards starting with 3 are cards with JCB logo. ++digits 1-6 are the credit card BIN code, which is the bank identification code, and the full English name is BankIdentificationNumber.

2. BIN is represented by 6 digits and assigned by the International Organization for Standardization (ISO) to all bank card organizations engaged in inter-bank transfer exchange. The++of a bank card is the number that identifies the information of the card issuer and the cardholder, and consists of the following three parts: the identification code of the card issuer (BIN number), the user-defined bit of the card issuer and the check code.

at present, domestic bank cards are divided into different bank card organizations according to the different numbers. Among them, the bank card with the word "4" in the BIN number belongs to the VISA card organization, the one with the word "5" belongs to the MasterCard card organization, and the one with the words "9" and "62" and "6" belongs to China UnionPay.

unionpay cards with "62" and "6" are unionpay standard cards that meet international standards and can be used abroad, which is also the main bank card issued by China unionpay in recent years.

Extended information

The most common credit card in China has 16 digits (American Express card has 15 digits), which usually includes information such as bank brand, card issuing organization and card issuing branch. Take Bank of Communications credit card as an example. The 16-digit++of Bank of Communications credit card consists of the following parts:

++ The 1st-6th digits are the credit card BIN code. The first place is the card organization code, where the first place is 4 for VISA card, 5 for Master card and 6 for UnionPay single currency card; 2-6 digits are the codes assigned to each bank by the card organization. For Bank of Communications credit cards, the top six digits++are as follows:

VISA Puka 458123, Master Puka 521899, UnionPay Puka 622252 and UnionPay Business Puka 628216.

VISA gold card 458124, Master gold card 5.