There are three differences between UnionPay card and credit card:

1. The essence of UnionPay card: it refers to a bank card that meets the requirements of unified business specifications and technical standards and has the word "UnionPay" printed on the designated position. Card numbers mostly start with "62".

2. the essence of credit card: a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

2. The characteristics of the two are different:

1. The characteristics of UnionPay card:

(1) The red, blue and green "UnionPay" logo is printed on the lower right side of the front of the card.

(2) There is a holographic laser pattern above the "UnionPay" logo on the credit card.

(3) The signature strip on the back of the credit card is printed with the words "UnionPay" in color, and the written words cannot be erased. On October 18, 25, UnionPay changed its logo, with the parallel arrangement of red, blue and green bank cards as the background, which set off the white image of UnionPay in English and UnionPay in Chinese.

compared with the old logo, the new logo of UnionPay mainly adds English unionpay, and fine-tunes the area and inclination of the three-color block.

2. Features of credit card:

(1) It is one of the fastest-growing financial businesses today, and it is an electronic currency that can replace traditional cash circulation in a certain range.

(2) It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also get some loans from card issuers by using credit cards.

(3) It is a high-tech product integrating financial business and computer technology.

(4) It can reduce the use of cash currency.

(5) It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.

Third, the nature of the two is different:

1. The nature of UnionPay card: According to the relevant person in charge of the People's Bank of China, the bank card with the logo of UnionPay must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.

2. Nature of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

Baidu Encyclopedia-UnionPay card

Baidu Encyclopedia-Credit card