Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Product types:
1. According to different card issuers, they can be divided into bank cards and non-bank cards.
2. According to the different objects of issuance, it can be divided into corporate cards and personal cards.
3. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards.
4. According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards.
5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards.
Extended information:
According to the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks":
Article 36
Credit card face The following basic information should be fully disclosed to cardholders: the legal person name of the card-issuing bank, brand logo and anti-counterfeiting mark, card type (credit card, credit card, quasi-credit card, etc.), card number, cardholder’s name pinyin (foreign name), Validity period, cardholder signature strip, security verification code, precautions, customer service phone number, and bank website address.
Article 37
The text of credit card application materials printed by the card-issuing bank shall contain at least the following elements:
(1) Applicant information: number, Applicant's name, valid ID name, ID number, unit name, unit address, residential address, billing address, contact number, contact name, contact phone number, contact verification information, other verification information, etc.;?
(2) Contract information: receipt contract (agreement), credit card regulations, important reminders, notification methods of changes in contract information, etc.;?
(3) Fee information: main charging items and Charging levels, channels for querying charging information, notification methods for changes in charging information, etc.;?
(4) Other information: the credit card held by the applicant and its credit limit, applicant statement, applicant confirmation column and signature area, card-issuing bank service phone number and bank website, complaint channels, etc. ?
The "Important Tips" should be listed in a conspicuous manner in the credit card application materials, including at least the basic conditions for applying for a credit card, the required basic application materials, interest calculation rules, annual fees/late fees/over-limits Fee collection method.
Tips on reading and signing the contract (agreement), tips on the security and confidentiality of the applicant’s information, tips on legal responsibilities and handling measures related to illegal use of credit cards, and other tips on the applicant’s credit and rights and obligations. Content and other information with significant impact. ?
The applicant’s confirmation column should contain the following statement, and require the customer to copy and sign: “I have read all application materials, fully understand and clearly understand the relevant information of the credit card product, and am willing to abide by the contract. (Agreement) Rules”
Baidu Encyclopedia-Credit Card