Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and will make repayment on the checkout date. Credit cards do not directly debit users' accounts.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Because all kinds of bank cards are made of plastic, they are also used for deposit and withdrawal and transfer payment, so they are also called "plastic money". The size of bank cards is generally 85.60× 53.98 mm (3.370× 2.125 inch), and there are also mini cards and irregular cards that are 43% smaller than ordinary cards.
Bank cards include credit cards, checking cards, ATM cards, debit cards and smart cards.
Bank cards have reduced the circulation of cash and checks, and the banking business has undergone fundamental changes due to the breakthrough of time and space restrictions. The application of bank card automatic settlement system will make "a society without checks and cash" a reality.
Bank card is the basic voucher for saving money in the bank.
What is a credit card?
Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).
Generally speaking, bank cards are divided into credit cards and debit 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.
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.
How to set the main account attribute of credit card?
Why do credit cards need primary and secondary cards? Maybe for some users who just want to apply for a credit card, they don't know much about it. Here,
A credit card has a primary card and a secondary card. The secondary card shares the credit limit of the primary card account, and the settlement is made through the primary card account. This function setting is more suitable for families with children studying abroad. Parents can handle a master card and an auxiliary card for their children, so that parents can keep track of all the account changes of their children's consumption or cash withdrawal abroad at any time, and they can repay the debts in their children's cards in RMB at any time through the function of purchasing foreign exchange for repayment at home, which is very convenient.
What is a credit card sharing account?
There are two situations when you say credit card sharing account.
One is that the main card and the auxiliary card of a credit card share an account and the credit line is shared. The cardholder of the main card applies and assumes the main responsibility, and the secondary card can be cancelled at any time. After the primary card is cancelled, the secondary card will also be cancelled.
The second is the joint account launched by some banks at present, which is often used for family financial management, paying family bills, or other expenses such as daily necessities or holiday trips. Husband and wife and other family members share a common account and jointly pay attention to and manage the transactions under this account.
What do you mean by credit card attributes?
The biggest attribute of a credit card is that it can be overdrawn-a kind of consumer credit that can be circulated indefinitely. This attribute is the essence that distinguishes credit cards from debit cards. With the overdraft limit, it means that you can do something with the money.
What are the three common customer attributes of a credit card account line?
Every bank will accurately classify customers, which are generally divided into four categories: low-end customers, mid-end customers, potential customers and high-end customers. Classification is based on the customer's asset level in the bank.
1. High-end customers: high-contribution and low-risk customers, generally referring to customers who spend more than 60% of points by swiping their cards every month and pay back in full or do more than 12 installments, but the total installment amount is less than 40%. 2. Potential customers: low-contribution, low-risk customers, customers who spend less than 40% of their credit cards every month, and customers who never pay in installments. 3. Mid-end customers: customers with high contribution and high risk will spend more than 60% of the points every month, but occasionally make the lowest repayment, or often pay in installments, with the installment amount exceeding 40%. 4. Low-end customers: customers with low contributions and high risks, customers who spend more than 60% on credit cards every month or spend more than 60% on credit cards frequently, or customers who often make the lowest repayment.
Five characteristics of credit card
Five characteristics of credit card
First, most credit cards have an overdraft limit, so you can overdraw first and then repay.
Second, eligible consumers can accumulate points.
Third, credit cards can be repaid in installments.
Fourth, if you have a credit card, you can also apply for special installment beyond the credit card limit. For example, car staging, home improvement staging.
Fifth, overdue repayment of credit cards will affect personal credit records, and there will be interest and late fees.
A real credit card must have the following three characteristics:
1. Can be overdrawn. In other words, credit cards can spend money without saving money, which is the most basic feature of credit cards. If you can't overdraw, it is definitely not a real credit card;
It has an interest-free repayment period. There is an interest-free repayment period for a certain period of time after using the credit card. As long as the corresponding consumption amount is returned to the bank during this period, the bank will not charge interest. Under normal circumstances, the interest-free repayment period is about 50 days. If there is no interest-free repayment period, it must not be a real credit card;
Third, it has revolving credit. Revolving credit is a small unsecured loan with daily interest. According to your financial situation, you can decide the repayment amount (one-time repayment or installment repayment) before the monthly repayment is due. If installment repayment is selected, when the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the payable amount of the current period, the remaining deferred repayment amount is the circulating credit balance.
Credit cards can be repaid in installments by the minimum repayment method, so that only the interest on the unpaid part needs to be paid when repaying. Anything with the above three characteristics is a real credit card. When someone sells you a credit card or you want to know whether a credit card is a real credit card, just look at whether it has the above three characteristics at the same time.
This concludes the introduction of credit card attributes and credit card attribute strategies. I wonder if you found the information you need from it?