1, debit card
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.
2. Credit card
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.
Extended data:
The first six digits of the bank card number are used to indicate the issuing bank or institution, which is called the bank identification number (BIN). According to the ISO/IEC78 12 document, the 9-prefix BIN number is designated by domestic standards organizations and is not suitable for global use.
The "UnionPay" logo provides a unified identification mark for all kinds of ATM and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be used in ATM and POS terminals with the "UnionPay" logo, providing consumers with convenient, fast and safe financial services.
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