credit card types
according to different card issuers, it can be divided into bank cards and non-bank cards
bank cards. This is a credit card issued by the bank. The cardholder can shop in the authorized store of the issuing bank and withdraw cash at any branch or ATM owned by the issuing bank at any time.
non-bank card. This card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by department stores, oil companies and other commercial organizations, which are used to buy goods or gas stations in designated stores, and are used for regular billing. Travel and entertainment card is a credit card issued by airlines, travel companies and other service companies for air tickets, catering, accommodation, entertainment and other services.
according to different issuers, it can be divided into corporate cards and personal cards
corporate cards. Company certificates are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal persons.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed individuals and other urban and rural adult residents with stable income sources. Personal cards are issued in the name of individuals who are fully responsible for the use of the cards.
the credit status, position and other credit and credit status of cardholders are different, which can be divided into ordinary cards and gold cards
an ordinary card. Ordinary cards are for economic strength and credit, and the status of ordinary cardholders is not high for them.
gold card. Gold card is a kind of advanced credit card with high membership fee and special treatment. This card is issued to people with high credit standing, strong repayment ability, good credit or certain social status. The credit limit of the gold card is high, the additional service items and scope are also wide, and the corresponding service fee and deposit requirements are also high.
according to different repayment methods, credit cards can be divided into debit cards and accurate debit cards
debit cards. When the issuing bank provides bank credit, it overdraws first, and then repays or installments. At present, this kind of card is mostly used internationally. In other words, the cardholder is allowed to have no deposit in the credit card account, and the settlement method is "consumption first and deposit later". Most cards in international circulation are of this type.
quasi-debit card. It is a credit card issued by the bank for deposit before consumption. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank as a reserve in advance. Cardholders need to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
according to different credit card circulation limits, it can be divided into international cards and regional cards
international cards. International card is a kind of credit card that can be used outside the issuing country and around the world. Master Card, VISA Card, American Express Card, JCB Card and Diners Club issued by five overseas groups are mainly international cards.
area card. A regional card is a credit card that can only be used in the issuing country or a specific region. Most credit cards issued by commercial banks in China belong to regional cards.