① Name of issuing bank: indicates the issuing bank to which the card belongs. At present, in addition to 17 national banks in China, regional banks and foreign banks also have the conditions for issuing cards.
② card BIN code: the first six digits of the bank card number are the BIN number (bank identification code), which is applied by the bank card organization to ISO (International Organization for Standardization) and assigned to the bank card organization.
the card organization corresponding to the BIN number:
"62" is China UnionPay, "4" with 16 digits is VISA, "5" with 16 digits is MasterCard, "35" with 16 digits is Japan JCB, and the card number is 16 digits
" The card number is 15 digits
"3/36" begins with Dalai. The card number is 15
, so in many preferential activities carried out by UnionPay, a bank card starting with "62" will be required.
③ expiration date: the expiration date is an important link for the cardholder to verify his identity when he activates the credit card, online shopping and other off-site operations.
generally speaking, only the credit card will be printed with the expiration date, month/year. If the cardholder fails to cancel the card at the designated outlet before the expiration date, the bank will reissue a new card according to the cardholder's credit limit, and the card number will remain unchanged for the convenience of the cardholder.
④ cardholder's name: the name of the credit card holder is spelled in pinyin and capital, and some credit cards will also indicate the cardholder's gender, such as MR.XXXX The cardholder's name is also used for authentication when spending.
⑤ card level: the card level of each card organization is slightly different:
Puka is a basic payment product. The card face color will not use gold, white gold or black. There is generally no annual fee.
gold card: it is a relatively high-end product in bank cards, and the basic color of gold card is generally metallic yellow. The English word "Gold" will be printed on the upper right corner of the card. The general annual fee can be offset by the number of consumption pens.
platinum card: a high-end card with more value-added services than gold card. Common services include airport VIP lounge, golf service, road rescue, appointment registration, etc. Platinum cards generally use metallic white gold as the basic color of the card, and the English word "platinum" is printed on the card. Generally, the annual fee cannot be reduced. Some platinum cards can reduce the annual fee by spending the number/amount, but some value-added services such as golf will be cancelled accordingly.
diamond card: it is the highest-level bank card and can provide top-level value-added services to cardholders. For example, VIP boarding at the airport, upgrading of high-end hotel accommodation, free medical examination, personal butler and other distinguished services. Generally, metallic black is used as the base color of the card surface, and Diamond elements are embedded in the card surface design, and the English word "diamond" is printed on the card. The annual fee is not deductible, ranging from several thousand yuan to tens of thousands of yuan.
⑥ card organization logo: the card organization is a specialized organization responsible for building and maintaining the inter-bank network of bank cards and providing information transfer and capital settlement services.
At present, the major card organizations in the world include: China UnionPay, visa, MasterCard, American Express, Discovery Card, jcb and Diners.
⑦ flash payment logo: UnionPay contactless product logo. Anyone who has this logo on the card can swipe the card on the machine with this logo for consumption.
2. The back of the credit card
① Anti-counterfeiting logo: The domestic bank card mainly uses the "UnionPay" holographic anti-counterfeiting logo as the main logo. The main scene of the "UnionPay" holographic anti-counterfeiting logo is the Temple of Heaven pattern, and the background is the horizontally arranged two-color Chinese character "Bank Card Union".
② electronic cash logo: UPcash is an IC card transaction logo defined by unionpay for offline micropayments. According to the regulations of the People's Bank of China, the upper limit of electronic cash account is 1 yuan, and it is not possible to report the loss at present.
③ signature strip: the signature strip is where the cardholder reserves his signature. In case of card theft, if the transaction method set by the cardholder is "signature" and the signature on the signature strip is inconsistent with the signature on the purchase order, the cardholder may apply for recovering the loss.
if the set transaction method is "signature+password", if the password is leaked, even if the signature does not match, the cardholder shall bear the loss of misappropriation.
④ customer service telephone number: the customer service telephone number of the bank to which the card belongs will be filled here, and the cardholder can call this number for business consultation and related information consultation.
⑤CVV2 code: CVV2 is the security code of credit card, which is a security code of credit card during card activation or online transaction.
it is usually a 3-or 4-digit number printed on a credit card, and the printing position of different types of cards will be different. It is usually used to prove that the payer owns the credit card at the time of transaction, thus preventing credit card fraud.
for unionpay standard cards organized by unionpay, they are called CVN2, VISA cards are called CVV2, MasterCard cards are called CVC2, and American Express cards are called CSC2.
⑥ chip/magnetic stripe: At present, the bank cards circulating in the market are mainly divided into IC cards (chip cards), magnetic stripe cards and magnetic stripe chip composite cards.
the p>IC card is embedded with a chip; The magnetic stripe card has a loaded magnetic stripe on the upper end of the back of the bank card; The composite card is a card with both chip embedded and magnetic stripe loaded.