What is a credit card? Are credit cards and bank cards the same card?

A credit card is a credit certificate issued by a commercial bank for consumers to purchase goods and pay expenses. It contains the cardholder's name, signature and number. Cardholders can withdraw cash, purchase goods, etc. by signing on the card at designated banks, stores, etc., and some can overdraft small amounts of cash. Credit card and bank card are not the same card.

1. Information required to apply for a credit card:

1. Information of the principal cardholder and proof of personal income.

2. Supplementary card applicant information.

3. Guarantor’s information.

4. Other information.

5. Statement and signature of the principal card applicant and supplementary card applicant.

6. Bank special column.

2. Repayment method:

1. At the card issuing bank. This method includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. WeBank pos mobile phone. Weiyintong pos mobile phone is a personal payment terminal of mobile financial system, which can be used to directly repay by swiping cards, and can also perform transfers and other services. Instant payment.

3. Transfer/remittance for repayment. There are two ways: inter-city inter-bank and long-distance inter-bank. No matter how you transfer or remit money, the remittance bank will charge a certain fee.

4. Online repayment. The more common online platforms include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Different platforms and banks have different charging standards and specific payment arrival times.

5. Convenience store repayment. Repayment is completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to receive the payment. At the same time, there is no handling fee for repayment using this method.

6. Repayment through the counter. Over-the-counter transactions refer to bank cards issued by various networked financial institutions, which enable RMB current deposits and withdrawals to be made over the counter at other bank branches registered in the UnionPay exchange center host system.

7. Repay via Xinpaytong. The "Xinpaytong" smart card swiping phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Extended information:

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive 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 a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

What is the difference between bank cards and credit cards?

1. The following differences between debit cards and credit cards:

1. Different consumption methods: credit cards can be deposited first If you want to spend money later, you can also spend it first and then deposit the money within the specified time; but with ordinary bank cards, you can only deposit money first and then spend it.

2. Different expiration dates: Debit cards do not have an expiration date, but credit cards do. The validity period of a credit card is usually listed at the bottom of the credit card. The standard format is month first and year last.

3. Appearance: On the front of the credit card, there is the user’s name in pinyin or English, the name and pattern of the bank that issued the card, and the expiration date. The front of an ordinary bank card only has the name and picture of the bank that issued the card, and the back only has the black magnetic stripe of the bank card, a white signature strip, and instructions for use.

4. The previous application procedures for credit cards and debit cards were completely different. Credit cards required an interview, which was much stricter. For a debit card, you can apply directly at the bank.

5. Debit card is a bank card issued to the public by the card-issuing bank for depositing first and then consumption (or cash withdrawal) without overdraft function. According to different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. It is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption. It also has many additional financial management functions such as transferring money, buying funds, stock trading, etc., and also provides a large number of value-added services. Credit card is a special carrier card issued by commercial banks to individuals and organizations, which can be used for shopping and consumption with special organizations and depositing and withdrawing cash from banks. It has consumer credit. It is in the form of a card with the name of the issuing bank, validity period, number, and number printed on the front. Cards containing the cardholder's name, etc., and a magnetic stripe and signature strip on the back.

2. There are many differences between credit cards and bank cards, but they also have many similarities, and credit cards are also a type of bank card. There are three main types of bank cards: debit cards, credit cards and quasi-credit cards. Credit cards spend money first and then pay back, so they are also called credit cards; ordinary bank cards save money first and spend later, so they are called debit cards.

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What is the difference between a credit card and a bank card?

According to daily life, many people do not know about banks What are the differences and benefits between cards and credit cards? I don’t know much about the differences between the two, as well as their respective roles and functions. Let’s follow the editor of Hualv.com to take a look at the differences between the two, as well as the corresponding knowledge.

What is a bank card?

A bank card refers to a card issued to the society by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. credit payment instruments.

Bank card is the basic voucher for depositing money into the bank. BankCard is a general term for new service tools issued by banks for customers to handle deposits and withdrawals. Bank cards include credit cards, check cards, ATM cards, charge cards and Emmanuel cards. Because various bank cards are made of plastic and are used for deposits, withdrawals and transfer payments, they are also called "plastic money". The size of bank cards is generally 85.60×53.98mm (3.370×2.125 inches). There are also mini cards and irregular-shaped cards that are 43% smaller than ordinary cards. Since the 1970s, the rapid development of science and technology and the application of electronic computers have expanded the scope of use of bank cards.

Bank cards reduce the circulation of cash and checks, and fundamentally change banking business by breaking through the limitations of time and space. The application of the bank card automatic settlement system will make a "checkless, cashless society" a reality.

Bank card is the basic voucher for depositing money into the bank.

What is the difference between credit card and bank card?

The difference between credit card and bank card: Credit card is a type of bank card, and bank card mainly includes two types: credit card and debit card. When using a credit card, you should consume first and pay later, and you can use it as an overdraft within the credit limit. Debit cards require users to deposit funds before they can be used, and overdrafts are not supported.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

There are still many differences between credit cards and bank cards, but they also have many similarities, and credit cards are also a type of bank card. There are three main types of bank cards: debit cards, credit cards and quasi-credit cards. Credit cards spend money first and then pay back, so they are also called credit cards; ordinary bank cards save money first and spend later, so they are called debit cards.

Are credit cards and bank cards the same?

Bank cards include credit cards and debit cards, and credit cards are just one type of bank card.

1. Credit card

Credit card, also called credit card, is a non-cash payment method for transactions. It is a simple credit service. A credit card is issued by a bank or credit card company according to the user's request. The credit and financial resources of the card are issued to the cardholder, which can be used to shop and consume from special units and deposit and withdraw cash from the bank. The form is that the name of the issuing bank, validity period, number, cardholder name and other contents are printed on the front, and there is a magnetic strip on the back. , signature strip. Cardholders do not need to pay cash when making purchases with a credit card, and will pay back on the bill date.

2. Savings card

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. Its main function is to make deposits and withdrawals at networked ATM machines and counters, and to make purchases at networked POS. Debit cards are used to deposit and withdraw money. There is interest income from deposits in the card, but there is no income from overpayments in the credit card.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

That’s it for the introduction of bank cards and credit cards.