Credit card, also known as debit card, is mainly used for overdraft consumption. After the user applies for a credit card, the bank will give you a certain amount, and the user can make overdraft consumption within the amount, and need to repay after overdrawing the credit card. This is a way of spending first and then repaying.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

Apply for a bank card

The process of applying for a credit card and a debit card is different.

When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials to apply to the card issuer, and you need to fill out an application form, in which the required information is true. After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.

Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.

Bank card loss reporting

The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.

What does a credit card mean?

Credit card is a simple non-cash transaction credit service bank card. Banks issue loans to individuals or users according to their credit and financial status.

Units use dry goods to buy and pay for credit card consumption expenses. Consumers can withdraw cash from designated banks, consumer places and other places with the signature of the card.

Money, consumption, can overdraw a certain amount of cash.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

main feature

Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent.

Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit cards can reduce the use of cash and money;

Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

Credit card can simplify the collection procedures and save social labor;

Credit cards can promote commodity sales and social needs.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

[img] What's a credit card for?

Credit cards have long been a part of our daily economic life, so what is the use of credit cards? What is the difference between them and ordinary bank cards?

1. What is a credit card?

Credit card is a non-cash transaction payment method and a credit service provided by the banking industry. Banks or credit card companies will issue them to cardholders according to their credit and financial resources. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

2. What's the difference between a credit card and an ordinary bank card?

1, credit cards can be overdrawn, and savings cards must deposit a certain amount before they can be consumed.

2. You can choose confidential payment when swiping the card, and you must enter the password for the savings card.

The money deposited in the credit card has no current interest, while the money in the savings card has current interest.

4. There is a handling fee for cash withdrawal by credit card, but no handling fee for cash withdrawal by savings card.

The annual fee of credit card is relatively high. Some bank savings cards have annual fees, and most banks are exempt from annual fees.

It is more difficult to apply for a credit card than a savings card. You need proof of income to apply for a credit card, but you can apply for a savings card as long as you have civil capacity.

Third, the history of credit card development.

The earliest credit payment appeared in Britain at the end of 19. In view of the fact that rich people bought expensive luxury goods but didn't bring so much money, the British clothing industry developed a credit system, which used record cards to get hot goods back as soon as possible when shopping. In 1950s, the first credit card for the public appeared. McNamara, a credit expert in Manhattan, USA, organized the Diners Club. After being allowed to become a member, he can take a food and beverage recharge card to 27 designated restaurants for consumption. This is the earliest credit card.

Since then, more and more partners have signed contracts, and the scope of services that can be temporarily overdrawn is also growing. People have also become accustomed to this convenient transaction form without carrying cash, which has promoted the arrival of bank credit cards. Franklin National Bank was the first bank to issue credit cards, and then the development of credit cards was standardized and eventually became a part of our daily life.

So much for the introduction of what a credit card means to a bank.