The difference between credit cards and bank cards

1. The functions are different. The main function of bank cards is to save and withdraw money, while the main function of credit cards is consumption; 2. The validity periods are different. , the validity period of credit cards is mostly five years, and the validity period of bank cards is divided into 5 years, 10 years or even indefinitely; 3. There is interest when depositing money in bank cards, but there is no interest when depositing money in credit cards; 4. The annual fees are different. The annual fees for bank cards are usually more than ten yuan, but the annual fees for credit cards are as many as hundreds or even thousands of yuan.

Credit cards are also called credit cards. They are issued by commercial banks or credit card companies. A credit certificate issued to credit-qualified consumers. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

What is the difference between bank cards and credit cards?

1. The following differences between debit cards and credit cards:

1. Different consumption methods: credit cards can be deposited first If you want to spend money later, you can also spend it first and then deposit the money within the specified time; but with ordinary bank cards, you can only deposit money first and then spend it.

2. Different expiration dates: Debit cards do not have an expiration date, but credit cards do. The validity period of a credit card is usually listed at the bottom of the credit card. The standard format is month first and year last.

3. Appearance: On the front of the credit card, there is the user’s name in pinyin or English, the name and pattern of the bank that issued the card, and the expiration date. The front of an ordinary bank card only has the name and picture of the bank that issued the card, and the back only has the black magnetic stripe of the bank card, a white signature strip, and instructions for use.

4. The previous application procedures for credit cards and debit cards were completely different. Credit cards required an interview, which was much stricter. For a debit card, you can apply directly at the bank.

5. Debit card is a bank card issued to the public by the card-issuing bank for depositing first and then consumption (or cash withdrawal) without overdraft function. According to different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. It is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption. It also has many additional financial management functions such as transferring money, buying funds, stock trading, etc., and also provides a large number of value-added services.

Credit card is a special carrier card issued by commercial banks to individuals and organizations, which can be used for shopping and consumption with special organizations and depositing and withdrawing cash from banks. It has consumer credit. It is in the form of a card with the name of the issuing bank, validity period, number, and number printed on the front. Cards containing the cardholder's name, etc., and a magnetic stripe and signature strip on the back.

2. There are many differences between credit cards and bank cards, but they also have many similarities, and credit cards are also a type of bank card. There are three main types of bank cards: debit cards, credit cards and quasi-credit cards. Credit cards spend money first and then pay back, so they are also called credit cards; ordinary bank cards save money first and spend later, so they are called debit cards.

Please click to enter the image description (maximum 18 characters)

Are credit cards and bank cards the same?

Credit cards and bank cards are different. Bank cards include credit cards, check cards, ATM cards, charge cards and Emmanuel cards. The differences between the two are as follows:

1. The functions are different: the main functions of bank cards are deposits and withdrawals, while the function of credit cards is consumption;

2. The validity period is different. The same: the validity period of a credit card is up to five years, while the validity period of a bank card is divided into five years, ten years or even no validity period;

3. The benefits are different: you can save money in a bank card What you earn is interest, but there is no interest when you save money in a credit card; 4. The annual fees are different: most annual fees for bank cards are about 10 yuan, but the annual fees for bank credit cards are as high as hundreds or even thousands.

The credit card application process is as follows:

1. Users first find the bank they want to apply for, and then log in to the bank’s official website to obtain detailed information;

2. After deciding which bank to apply for a bank credit card, users can find time to apply directly to a service outlet. Some banks can also apply on their official websites, and many banks will have application points outside, so users just need to pay more attention;

3. Fill in the relevant information according to the specific guidance of the staff;

4. After filling in the information, submit it to the bank for approval;

5. After passing the review, the credit card will generally be sent by mail. Users can also log in to the official website of the relevant bank to check the progress of card application, or inquire by phone.

This is the end of the introduction to the differences between credit cards and bank cards.