Hello, the 16-digit bank card number is a credit card, and credit card numbers are all 16 digits.

1. The 16-digit bank card number belongs to the credit card, but there are also 16-digit debit cards (less frequently). The first 6 digits of a bank card are BIN, which is assigned by the international card organization. For example, those starting with 622 are China UnionPay standard cards. Credit cards can be applied through different channels in normal times, such as bank counters, mobile banking, bank official websites, etc. When applying, you must ensure that your personal credit report is good.

2. The more proof of financial resources a user submits when applying for a credit card, the more credit lines the user will receive in the future, and the user can get the card faster when applying for a credit card online. However, after you get the credit card, you must activate it before you can use it. You can choose different ways to activate it, such as bank counters, telephone customer service, etc.

3. Credit cards must be repaid on time after normal use. Overdue repayment is not allowed, because overdue repayment will generate penalty interest. The longer the time, the more penalty interest will be incurred. Moreover, after overdue repayment, the bank will upload it to the credit reference center. When the personal credit score becomes bad, it will affect the processing of various loans, such as car loans or housing loans.

4. Credit cards must be repaid on time after normal use. Overdue repayment is not allowed, because overdue repayment will generate penalty interest. The longer the time, the more penalty interest will be incurred. Moreover, after overdue repayment, the bank will upload it to the credit reference center. When the personal credit score becomes bad, it will affect the processing of various loans, such as car loans or housing loans. When a credit card cannot be paid back on time, users can use installment repayment or the minimum payment amount to avoid overdue repayment. However, when using installment repayment, users can choose the number of installments based on their income. Furthermore, installment repayment will occupy the credit limit, affecting the cardholder's normal use of the credit card.

5. Bank cards are divided into three types: debit card, quasi-credit card, and credit card. Bank cards generally carry logos such as UnionPay, Visa, Master, and JCB. Generally, cards starting with 6 are UnionPay cards, cards starting with 4 are cards bearing the Visa logo, cards starting with 5 are cards bearing the Master card, and cards starting with 3 are cards bearing the JCB logo.

6. The first few digits of cards with the same logo from a bank are the same. For example, for China Merchants Bank, the card with the UnionPay logo starts with 62258, and the card with the Visa logo starts with 4392. At the beginning, the one with Master logo starts with 5186, and the one with JCB starts with 3568. Another bank's debit card and credit card generally have different digits. For example, the debit card of China Construction Bank starts with 4367, which is 19 digits, while the credit card with the Visa logo also starts with 4367, but is 16 digits. bit. Generally, the number of credit cards has 16 digits, while the number of debit cards varies from 16 to 19 digits depending on the bank