How to identify the authenticity of Ping An Bank’s credit card?

There are several ways to identify the authenticity of a credit card:

1. Look at the back of the credit card. There is usually a customer service number of the credit card company on the back of the credit card. Citizens can call it. If the system prompts that it is invalid, it means that it is a counterfeit card.

2. Look at the plastic film. The surface of the real card is smooth and the card material is relatively elastic. When the card is illuminated by a purple light, the bank's logo or the name of the card issuer will appear, which is a laser anti-counterfeiting label; the surface of the counterfeit card is rough, the color is easy to fall off, and the negative generally has no anti-counterfeiting design.

3. Look at the printing. The color of the real card is bright and bright, the words are clear at a glance, and the stripes on the card are neatly arranged; the words on the fake card are usually blurred, the color is uneven, and the stripes on the card are not neat, making the overall look very uncoordinated.

4. Look at the imprint. The uppercase English letters of the real card are neat and orderly; the imprinted numbers and English letters of the fake card are not neat or have different sizes, and some of the old ones that have been altered can even be faintly visible.

How to distinguish credit cards and debit cards?

According to the bank, determine whether it is a credit card or a debit card: the debit card has 19 digits, and the credit card has 16 digits. And judging from the display on the card, the debit card does not have the pinyin of the cardholder's name printed on it, while the credit card has the pinyin of the cardholder's name on the front.

When swiping a card for consumption, the credit card can be overdrafted, and there is no need to have a deposit in the card to swipe the card for consumption. If the limit is exceeded, it cannot be used. You can call customer service to apply for a temporary limit; for debit cards, a card must be requested. You can only swipe your card if there is a deposit inside.

Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The role of credit reporting:

1. The impact of credit reporting:

1. It will reduce the borrower’s loan amount.

2. Not giving borrowers preferential interest rates or increasing loan interest rates.

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

4. It has an impact on many fields such as job hunting, renting a house and even visas to go abroad.

5. Credit bureaus will be included in the central bank’s blacklist, which will bring a lot of inconvenience to life.

2. Behaviors that affect personal credit:

1. Late water bills, phone bills and other related expenses. These small things will affect your personal credit.

2. If the borrower’s debt is too high. Most people have already had car loan and house loan repayments exceeding 50% of the borrower's monthly income, and credit card repayments that exceed 50% of the borrower's monthly income will also be deducted. Be included in the bad credit reporting system.

3. The borrower applies for personal loan default. If there is any outstanding loan principal and interest or the guarantor is repaying the loan; if there is a loan extension record recently or within two years of using capital to offset the debt, it will also be included in the credit record list.

How do you know if the credit card you are applying for is legitimate? You can check through these methods

Nowadays, there are many channels for credit card processing. Many people do not apply for cards through banks. Although they apply for a card, they are a little worried that the credit card is a fake card. In fact, there are many ways to know the credit card. Is it formal? Let’s take a look today.

How do you know if the credit card you are applying for is legitimate?

If you do not apply for a card through bank channels, the chance of getting a counterfeit card will be higher. Nowadays, there are many counterfeit cards made by criminals that can look fake and real. It is difficult to distinguish the real from the fake with the naked eye. , if you are not sure about the credit card you got, you can check through these channels:

1. Bank query: Bring the credit card you applied for and go to the branch of the bank that approved the card shown on the credit card to check; or online Check the bank's phone number, call and transfer to manual customer service, and ask for help to check. Both methods can directly find out whether the credit card is legitimate.

2. POS machine query: Counterfeit cards cannot be swiped normally on the POS machine. Failure to swipe the card will prompt the corresponding error code, such as error code 04, error code 07, error code 34, error code 37 , error code 41, etc. will prompt the merchant to confiscate the card, indicating that a fake card may have been swiped.

Of course, in addition to the above two channels, there are other ways to query, so I won’t introduce them in detail. Finally, I would like to remind you that there are many new methods nowadays. For example, many credit card agents defraud money by giving them a fake card. They ask people to give money in the name of collecting card opening fees, but in fact they give money. Money cannot be used to open a card because it is not a real credit card.

So, in order to avoid financial losses, everyone still applies for cards through bank channels, such as applying for cards at branches, official websites and official accounts. Applying for cards through official channels can definitely be done through the credit card received. It's legal, you can rest assured.

How to distinguish credit cards and debit cards?

Credit cards and debit cards look and function differently. Next, let’s take a look at how to identify credit cards and debit cards.

01

Functionally

Credit cards can be understood as a means of borrowing money from others. A certain amount of interest needs to be paid, but no items are required to be pledged; while savings A card can be understood as depositing your savings in a bank and charging a certain amount of interest.

02

Period

Credit cards are generally short-term and can be borrowed and repaid at any time. For example, if you take a loan from Huabei, you will generally borrow money this month and pay it back the next Monthly repayments can be made at any time; savings cards are generally long-term, such as more than one year.

03

Appearance

You can touch the text on credit cards and debit cards with your hands. You can see that the text on credit cards is concave and convex, while on savings cards The card text does not, it is flat.

04

In terms of overdrafts

Credit cards can be overdrafted, for example, you can overdraft about 5,000, while debit cards cannot be overdrafted, and generally can only be deposited.

What are the characteristics of credit cards? How to identify a credit card?

Halo~~You don’t even know what type of card you have? How did you do it? \\Credit cards are issued by commercial banks to individuals and organizations. They are used to purchase and consume from special entities and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the name of the issuing bank, validity period, and Number, cardholder name, etc., and a card with a magnetic stripe and signature strip on the back. What we call credit cards now generally refers to credit cards only. In layman's terms, a credit card is a small loan payment tool provided by banks to users to consume first and repay later. That is, when your shopping needs exceed your ability to pay or you do not want to use cash, you can borrow money from the bank. This kind of borrowing does not require any interest or handling fees. A credit card is a certificate that a bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, you can also withdraw cash directly from the ATM machine when there is no money in your credit card. \\Characteristics of credit cards\Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can make ordinary purchases without cash in the card. In many cases, you only need to return the consumed amount on schedule 1. You can overdraft for consumption without depositing, and you can enjoy an interest-free period of 20-50 days and repay on time without charging any interest.

2. Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts. 3. You can enjoy discounts when using the card at the bank's designated merchants. 4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life. 5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo. 6. Various discounts and lucky draws throughout the year, so you can always be surprised just by using the card. 7. Free monthly mailing statements, allowing you to transparently control every consumption expenditure. 8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures. 9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB. 10. The toll-free 800 hotline provides 24-hour service. Reporting loss will take effect immediately, and there is zero risk of losing the card.

How to distinguish bank cards and credit cards

To distinguish bank cards and credit cards, you can use the following methods:

1. The expiration date and cardholder’s name are printed on the front of the credit card Pinyin, while the debit card does not.

2. Credit cards are all embossed, while debit cards are usually flat-printed.

3. There is a 7-digit number printed on the back of the credit card, but not on the debit card.

4. On the back of a credit card, there are words "This card is valid only after signature" or similar words. On the back of a debit card, there are only the words "Signature of the cardholder".

5. Credit cards have laser anti-counterfeiting signatures; about 90% of debit cards do not have laser anti-counterfeiting signatures.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Debit card [debitcard] can be used for consumption online or at POS, or transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Creditcard, often called a credit card, refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

The quasi-credit card is a single-currency, single-account credit card with interest-bearing deposits and purchases settled in RMB. It has functions such as transfer settlement, cash deposits and withdrawals, credit consumption, and online banking transactions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.

Quasi credit card is a type of credit card with Chinese characteristics. There is no such type of credit card abroad. In the late 1980s, China's banking industry introduced credit card products from abroad. Because China's personal credit system was not very perfect at that time, the Chinese banking industry made certain changes to foreign credit card products. The traditional foreign credit card policy of no interest on deposits and an interest-free period for overdrafts was changed to one with interest on deposits and no interest-free period for overdrafts.

A quasi-credit card has some functions of both a credit card and a debit card. It generally requires a deposit or a guarantor. When using it, you deposit first and then consume, and interest is calculated on the deposit.

Cardholders can make small overdrafts within the limit approved by the card issuer when making purchases, but interest will be calculated on the overdraft amount from the date of overdraft, and the balance must be paid off in one go. There is no interest-free repayment period and minimum repayment amount. The basic functions are transfer settlement and shopping consumption.

That’s it for the introduction on how to identify credit cards.