Don't belong. Bank cards include credit cards and debit cards. And credit card is just a kind of bank card. In terms of appearance, debit cards and credit cards have the following differences:
1. Most opportunity cards don't have pinyin, while credit cards have pinyin of the holder's name.
2. Usually, the++and name of credit cards are pressed out in three-dimensional characters, while debit cards are usually printed out.
3. Many debit cards will be marked on the front of the card: debit card/savings card.
Many banks have special brands.
5. There are usually "Precautions" on the back of the card, which often indicates what card it is.
6. Most debit cards have no international settlement function, so they only have the "UnionPay" logo; At present, most credit cards are dual-currency or++cards, with the logo of international card organizations such as VISA or MASTERCARD.
Extended data:
Cards of rural credit cooperatives are generally divided into savings cards, credit cards and debit cards. Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law.
Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and combat+++.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zheng Tong Rural Credit Cooperatives Training School, Credit Department of Rural Credit Cooperatives, etc. It is a department under the dual leadership of CBRC and the State Council.
Classification method of bank cards:
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 be divided into the following categories:
1, which is divided into magnetic stripe card and chip card according to different information carriers.
2. According to whether the issuer is in China, it can be divided into domestic cards and overseas cards.
3. According to the different issuing banks, it can be divided into personal cards and corporate cards.
4. Account can be divided into RMB card,++card and dual-currency card according to different currencies.
Baidu Encyclopedia _ Bank Card
What does a rural credit cooperative card look like?
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
1. China Rural Credit Cooperative is a collective-owned bank, which is managed according to the Commercial Banking Law and is a local rural cooperative financial institution. At present, the legal person system at the provincial and county levels is implemented. That is, the county association is a first-class legal person, and the provincial association is a platform legal person for the provincial government to manage credit cooperatives.
Whether it is a rural credit cooperative, a rural cooperative bank or a rural commercial bank, it is a formal and standardized UnionPay card. You can deposit or withdraw money. Rural credit cooperatives are independent entities. Now some rural credit cooperatives have been renamed as rural commercial banks after restructuring, and no rural credit cooperatives or rural commercial banks in the list of cooperative banks can handle online banking and Alipay.
2. The cards of rural credit cooperatives are generally divided into debit cards, credit cards and++cards. Debit card Debit card, also known as savings card, refers to a bank card with no overdraft function that can be consumed (or cashed out) after deposit. Credit cards are also called credit cards, overdraft card. Refers to the credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay.
According to the credit card amount, it is divided into ordinary card and gold card. The amount of ordinary card is 50,000-20,000 yuan, and the minimum amount of gold card is1-50,000 yuan. ++++cards are for lending and can be borrowed with you. ++++card is a financial payment tool for small-scale agricultural loan customers in new countryside. In addition to the basic functions of debit cards such as shopping, transfer and settlement, cash deposit and withdrawal, it also has the function of small-scale agricultural loans, with the maximum amount not exceeding 300,000 yuan.
3. Rural credit cooperatives do not handle agricultural bank cards, but they can use them in rural credit cooperatives. Agricultural bank card is issued by Agricultural Bank of China, and rural credit cooperatives and Agricultural Bank of China are different banking institutions. Rural credit cooperatives are rural cooperative financial institutions approved by the People's Bank of China. Their service outlets are mainly distributed in rural areas, mainly used for deposit and withdrawal, transfer and settlement, and handling loans. Agricultural Bank of China is a large state-owned bank directly controlled by the state (Ministry of Finance and Central Huijin Company) and one of the six state-owned banks. The services provided by the Agricultural Bank include deposit and withdrawal, wealth management, bank card, transfer, loan, remittance and foreign exchange business.
What are the requirements for applying for a credit card of a rural credit cooperative?
Rural credit cooperatives credit card application conditions:
Must be at least 18 years old; Its annual income is at least 30,000 yuan; There is no bad record on the personal credit record; A steady job.
The following information is required:
Copy of ID card (self-copy)
Income certificate or work certificate of the unit (printed by yourself or collected at the counter)
Credit card application form (collected at the credit union counter)
If you have real estate and vehicles, you will get a large credit card limit by providing information to the bank.
Fill in the information in the rural credit cooperatives and give it to the credit card handlers.
RuralCreditCooperatives (rural credit cooperatives in English) refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shares, implements democratic management and mainly provides financial services for its members.
Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and combat+++.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.
loan rate
Legal interest rate: The interest rate set by the People's Bank of China approved by the State Council and authorized by the State Council is the legal interest rate. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.
Benchmark interest rate: The deposit and loan interest rate of China People's Bank to commercial banks and other financial institutions is the benchmark interest rate. The benchmark interest rate is determined by the head office of the People's Bank of China.
Contract interest rate: The lender and the borrower agree on the interest rate of the specific loan according to the legal loan interest rate and the floating range stipulated by the People's Bank of China, and specify it in the loan contract.
With the approval of the State Council, the People's Bank of China decided to fully liberalize the control of loan interest rates of financial institutions from July 20, 20 13.
Cancel the lower limit of 0.7 times the loan interest rate of financial institutions, and let financial institutions independently determine the loan interest rate level according to commercial principles.
There is no upper limit on the loan interest rate of rural credit cooperatives.
As a banking financial institution, rural credit cooperatives have their own characteristics, mainly manifested in:
Farmers and other individuals in rural areas jointly form cooperative financial organizations whose main purpose is mutual assistance. Its business operation is managed by the personnel designated by the members on the basis of democratic election and is responsible to the members. Its highest authority is the member congress, and the executive body responsible for managing specific affairs and business operations is the Council.
The main sources of funds are shares paid by cooperative members, retained provident fund and absorbed deposits; Loans are mainly used to solve the capital needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the economic development, it gradually broadened the channels of borrowing, which is no different from commercial bank loans.
Because the business object is a cooperative member, the business process is simple and flexible. The main tasks of rural credit cooperatives are to organize and standardize rural funds, support agricultural production and comprehensive rural development, support members' various forms of cooperative economy and family economy, and limit and crack down on++. [ 1]
So much for rural cooperative banks to launch credit cards.