1. The average monthly and daily balance of financial assets (including deposits, funds, government bonds, self-financing, consignment financing, insurance, precious metals in accounts, gold T+D, balance of third-party depository accounts, stock market value of BOC securities accounts with third-party depository accounts, two-way treasures, accumulated funds, accumulated profits, electronic cash, crude oil treasures, etc.) in China Bank. ) is equivalent to RMB200,000 and.
2. The accumulated consumption before using the China Bank credit card 12 months is equivalent to more than RMB 654.38+10,000 (excluding large-scale credit card consumption such as house purchase, car purchase and decoration, and zero discount rate for merchants);
3. The accumulated balance of personal loans of China Bank has reached the equivalent of more than 500,000 yuan, and the loan amounts included in the statistics are all normal balances.
Types of bank cards
Classification method
Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also
According to different information carriers, it is divided into magnetic stripe card and chip card;
According to whether the issuer is in China, it is divided into domestic cards and overseas cards;
It is divided into personal cards and unit cards according to different issuers;
According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.
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.
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.
Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account.
Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.
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.
credit card
Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay.
Semi-credit card
Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on.
When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.
Digital bank card
On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card.
On August 3, 2020, KLOC-0, China UnionPay released the first digital bank card "UnionPay Unbounded Card".