Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also

be divided into magnetic stripe cards and chip cards according to different information carriers; they are divided into domestic cards and overseas cards according to whether the issuer is in the country; they are divided into personal cards and corporate cards according to the issuing objects. ; According to the account currency, it is divided into RMB card, foreign currency card and dual currency card.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. Credit cards are further divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

Extended information:

In December 2015, the China Banking Regulatory Commission issued the "Notice on Matters Concerning the Banking Industry's Combating New Illegal Crimes in the Telecommunications Network" (hereinafter referred to as the "Notice"). The "Notice" stipulates that from January 1, 2016, in principle, the same customer shall not open more than 4 debit cards at the same institution (excluding social security cards).

At the same time, the "Notice" also stipulates that "the same agent shall not issue more than 3 cards at the same commercial bank in principle. Debit cards issued by an agent require the agent to present his or her valid identity card at the counter. It can be used only after the card is activated in person. ”

Baidu Encyclopedia-Bank Card