To distinguish between bank cards and credit cards, the following methods can be adopted:

First, the validity period and the cardholder's name pinyin are printed on the front of the credit card, but not on the savings card.

Second, credit cards are embossed, and savings cards are generally printed.

3. There are 7 digits printed on the back of the credit card, but not on the savings card.

4. On the back of the credit card, there are words such as "this card is valid only after it is signed" or similar words, while on the back of the savings card, there are only words such as "the cardholder's signature".

5. Credit cards have laser anti-counterfeiting labels; About 90% savings cards do not have laser anti-counterfeiting labels.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Creditcard, usually called credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

Quasi-credit card is a kind of credit card with China characteristics, and there is no such credit card abroad. At the end of 1980s, China banking introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, China's banking industry carried out some reforms on foreign credit card products, and changed the traditional interest-free and interest-free overdraft of foreign credit card deposits into deposit interest-bearing and overdraft interest-bearing.

Quasi-credit card has some functions of credit card and debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using, deposit first and then consume, and deposit pays interest. When shopping, the cardholder can make a small overdraft within the limit approved by the issuing bank, but the overdraft amount bears interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption.

How to distinguish between credit card and savings card?

Judging whether it is a credit card or a savings card according to the bank: the digits of the debit card are 19, and the digits of the credit card are 16. Moreover, from the display on the card, the debit card does not have the pinyin printing of the cardholder's name, while the credit card has the pinyin of the cardholder's name on the front.

When spending by credit card, credit card can be overdrawn. You can use a credit card. There is no deposit in the card. You can't use it if it exceeds the limit. You can call customer service to apply for a temporary limit. A savings card can only be swiped if there is money in it.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Functions of credit investigation:

First, the impact of credit reporting:

1 will reduce the borrower's loan amount.

2. Do not give the borrower preferential interest rate or make the loan interest rate rise.

3. If there are many bad credit records, the borrower's loan application will be rejected directly.

4. It has an impact on recruitment, job hunting, renting a house, and even visas for going abroad.

5. Credit information difference will be blacklisted by the central bank, which will bring a lot of inconvenience to life.

Second, the influence of personal credit behavior:

1, arrears of water, telephone and other related expenses, these small things will affect your personal credit information.

2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system.

3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list.

Card fraud: used to identify whether your credit card is real or not?

Usually, the first place for Visa card is 4, the first place for MasterCard is 5 and the first place for UnionPay is 6. JCB cards and American Express cards generally start with 3.

The first six digits (including the first digit) are the issuer code (IIN), which is used to identify the specific issuer.

These figures are defined by banks themselves, and the rules of each bank are different. If it is the standard number of 12 digits, there are probably trillions of combinations, which means that each card issuer can provide trillions of different credit cards; But many credit cards only use 9 digits, which constitutes the 16 digit digital credit card we usually see.

This number is generally checked by Luhn algorithm. Luhnalgorithm, also known as "modular 10 algorithm", is a simple checksum algorithm, which is generally used to verify identification codes. Let's see how the final check number is worked out.

Add the obtained number with all the remaining digits (even numbers) just now. If the number obtained by multiplying by 2 is 2 digits, add its single digits with the ten digits;

How do I know if my credit card is normal? You can query in the following ways.

There are many channels for handling credit cards at present. Many people don't apply for cards through banks. Although it is said that it is a card issue, I am a little worried that the credit card is fake. In fact, there are many ways to know whether a credit card is formal or not. Let's take a look today.

How do I know if my credit card is normal?

If you don't get a card through the bank channel, you will have a greater chance of getting a fake card. Nowadays, many fake cards made by criminals can reach the point of being genuine, and it is difficult for the naked eye to distinguish between true and false. If you are uneasy about the credit card you have obtained, you can check it through the following channels:

1. Bank inquiry: take your own credit card and go to the issuing bank outlet displayed on the credit card for inquiry; Or check the bank phone number online and call the manual customer service for help. Both methods can directly find out whether the credit card is formal or not.

2.POS machine inquiry: The fake card cannot be swiped normally on the POS machine. If the card swiping fails, corresponding error codes will be prompted, such as error code 04, error code 07, error code 34, error code 37, error code 4 1, etc. Will prompt the merchant to confiscate the card, indicating that a fake card may be swiped.

Of course, in addition to the above two channels, there are other query methods, so I won't introduce them much. Finally, I want to remind you that there are many new methods. For example, many credit card agents cheat money from a fake card and ask everyone to give money in the name of collecting the card opening fee, but in fact, they can't open the card after giving the money because it is not a real credit card.

Therefore, in order to avoid economic losses, people still apply for cards through banking channels, such as outlets, official website and official WeChat accounts online. As long as the official channels receive credit cards, they are all formal and reassuring.

How to distinguish between credit card and savings card?

Credit cards and savings cards are different in appearance and use. Next, let's see how to distinguish between credit cards and savings cards.

0 1

Functional aspect

Credit card can be understood as borrowing money from others, which requires certain interest, but does not require collateral; A savings card can be understood as putting your deposit in the bank and charging a certain interest.

02

deadline

Credit cards are generally short-term, and you can repay them when you borrow them. For example, you can borrow money from Baihua this month and repay it next month, but you can also repay it at any time. Savings cards are generally long-term, such as more than one year.

03

it seems

You can touch the words of credit card and savings card by hand, and you can see that the words of credit card are concave and convex, but the words of savings card are not. They are flat.

04

Overdraft aspect

Credit cards can be overdrawn, for example, about 5,000 yuan can be overdrawn, while savings cards can't be overdrawn, and generally only deposits can be made.

What are the ten different identification criteria for credit card types?

With the development of social economy, people's consumption demand is increasing, and many people choose credit cards to meet their daily consumption. While the number of credit card holders is growing, banks are also racking their brains, hoping to have more and more targeted credit cards to meet the needs of different types of customers. So what are the types of credit cards? According to different classification standards, there are different types.

1. Credit cards can be divided into debit cards and debit cards according to different payment methods.

2. According to different card issuers, credit cards can be divided into bank cards and non-bank cards;

According to the credit status of the cardholder, credit cards can be divided into ordinary cards, gold cards and platinum cards.

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

5. According to the characteristics and functions of cards, the types of credit cards can be divided into various theme cards, student cards, shopping cards, women cards, car cards, sports cards and so on.

6. According to the shape and material of the card, the types of credit cards include standard card, mini card, irregular card and transparent card.

7. According to the relationship between cards, the types of credit cards can be divided into main cards and auxiliary cards;

8. According to the different circulation scope of credit cards, the types of credit cards can be divided into international cards and regional cards;

7. The types of credit cards can be divided into local currency cards and foreign currency cards according to the settlement currency;

9. According to account settings, credit cards can be divided into single-currency cards, dual-currency cards and multi-currency cards;

In short, with the development of social economy, there are more and more types of credit cards, and each card is more and more targeted to customers. As long as you know your consumption demand and repayment ability, it is not difficult to find a credit card that suits you. Introduce the credit card application entrance. The most complete credit cards are here.

So much for the introduction of credit card identification.