Test point 29: Prepaid cards

1. According to whether the cardholder information is recorded, they are divided into registered prepaid cards and anonymous prepaid cards.

2. Limit

Single limit of registered prepaid card: 5,000 yuan

Single limit of unnamed prepaid card: 1,000 yuan

3. Term

Registered prepaid card: no validity period

Bearer prepaid card: validity period shall not be less than three years

4. Loss report and redemption

Registered prepaid card: can be reported as lost and redeemable (3 months after purchasing the card)

Bearer prepaid card: cannot be reported as lost or redeemed

5. Identity Documents

Purchasing a registered prepaid card: required

Purchasing an unnamed prepaid card: required for more than 10,000 yuan

6. Payment methods

A one-time purchase of more than 5,000 yuan by an organization and a one-time purchase of more than 50,000 yuan by an individual should be made through bank transfer. For a one-time recharge of more than 5,000 yuan, cash is not allowed.

Cardholders are not allowed to use credit cards to purchase prepaid cards or recharge prepaid cards.

Warm reminder: After learning the above knowledge points, I suggest candidates in Global Online School to do questions to consolidate what they have learned! See how well you have mastered it?

Multiple-choice questions

1. Wang purchased a registered prepaid card. According to the legal system of payment and settlement, the limit of this prepaid card is ().

A5000 yuan

B50000 yuan

C10000 yuan

D1000 yuan

Answer A

Analysis: The fund limit for a single registered prepaid card shall not exceed 5,000 yuan.

2. According to the provisions of the payment and settlement legal system, among the following statements about prepaid cards, the correct one is ().

A. Card buyers can use credit cards to purchase prepaid cards

B. Prepaid cards are priced in RMB and do not have overdraft functions

C. Named prepaid cards The maximum validity period is 3 years

D. The fund limit of a single registered prepaid card shall not exceed 1,000 yuan

Answer B

Analysis (1) Option C: The validity period of registered prepaid cards shall not be set, and the validity period of bearer prepaid cards shall not be less than 3 years; (2) Option D: The fund limit of a single registered prepaid card shall not exceed 5,000 yuan; (3) Option A: Card purchasers shall not use credit cards to purchase prepaid cards Card.