Credit card categories
1. According to different payment methods, credit cards can be divided into credit cards and debit cards;
2. According to the card issuer Different types of credit cards can be divided into bank cards and non-bank cards;
3. According to the credit status, status and other credit conditions of the cardholder, the types of credit cards can be divided into ordinary cards and gold cards. Platinum Card;
4. According to the different card issuers, the types of credit cards can be divided into corporate cards and personal cards;
5. According to the special functions of the cards, the types of credit cards can be divided into Divided into various theme cards, student cards, shopping cards, women's cards, car cards, sports cards, etc.;
6. According to the card shape and material, the types of credit cards include standard cards, mini cards, and special-shaped cards cards and transparent cards;
7. According to the relationship between cards, the types of credit cards can be divided into main cards and supplementary cards;
8. According to the different circulation scope of credit cards, credit cards The types of credit cards can be divided into international cards and regional cards;
9. According to the settlement currency, the types of credit cards can be divided into local currency cards and foreign currency cards;
10. According to the account settings , the types of credit cards can be divided into single-currency cards, dual-currency cards, and multi-currency cards;
11. According to the brand, the types of credit cards include VISA, MasterCard, American Express ( AmericanExpress) and ChinaUnionPay.
The use of credit cards actually requires everyone to plan well. How much money you earn every month and how much you can spend freely. These must be thought through before using it. Especially when you are buying a big card. When purchasing items, I like to pay them in installments. If I pay several thousand or even tens of thousands of things in installments of only a few hundred a month, it will make people mistakenly think that I still have a lot of room for consumption. If you add up, you will gradually find that each The monthly installment takes up a large part of your salary. Therefore, no matter how much ability you have, how much things you can do, when it comes to credit cards, there are four words to tell you: act within your ability, and never make yourself suffer every month just for the sake of temporary happiness.
Credit card actually refers to a credit card, which is a type of bank card and has an overdraft function. When users are shopping, they can enjoy the "spend first, pay later" service. At the same time, the credit card also has the function of withdrawing cash, which can solve the user's short-term capital needs when the user is in urgent need of money.
Compared with ordinary savings cards, there are certain thresholds for applying for credit cards. Under normal circumstances, when a user applies for a credit card, the bank will pay attention to two aspects, one is the user's credit, and the other is the user's repayment ability. Of course, there are many types of credit cards, such as regular cards, gold cards, platinum cards, diamond cards and even black cards. Depending on the type of card, banks have different conditions for applying for credit cards.
There are several types of credit cards
According to different payment methods, the types of credit cards can be divided into credit cards and debit cards; according to different card issuers, the types of credit cards can be divided into Bank cards and non-bank cards; according to the credit status, status and other credit conditions of the cardholder, the types of credit cards can be divided into ordinary cards, gold cards, and platinum cards; according to the different objects of card issuance, the types of credit cards can be divided into corporate cards and personal cards.
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.
The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. The disadvantages of credit cards are: high interest. If you don’t know how to take care of your credit card and cannot repay as scheduled when the final payment date comes, the bank will charge you high interest. (The minimum repayment for the first month of a credit card must not be less than 10% of the overdraft amount of the month); Credit cards that require annual fees basically have annual fees, but they basically have annual fee-free policies. For example, China Construction Bank only needs It can be waived if you swipe the card three times; but if you do not swipe the card the number of times specified by the bank in a year, you will be charged an annual fee. By default, fraudulent credit card purchases require no password, which makes it easy for others to use stolen credit cards when they are lost or stolen, causing unnecessary trouble or losses.
What are the classifications of credit cards?
Credit cards have different levels, such as regular card, gold card, platinum card or diamond card, etc. Card issuers will issue different levels of credit cards based on the credit card applicant's social status, economic strength, purchasing power, credit rating and other standards. Generally, ordinary cards are the lowest level, and high-level credit cards have higher credit limits than low-level credit cards. .
Ordinary cards are the lowest credit cards issued by card issuers, and their credit limits are the lowest. The credit limit of ordinary cards in my country is generally only 5,000 RMB.
Gold cards are credit cards with a higher credit limit than ordinary cards. Generally, banks do not directly apply for gold cards for individuals who do not have ordinary card credit records. The approval of gold cards is also stricter than ordinary cards, and applicants will be required to Provide proof of income and good credit history.
Platinum card, also known as diamond card, is a credit card launched by the card issuer to distinguish it from gold card customers. It provides more high-end services and rights than gold card, and generally adopts a membership system. It usually has service functions such as global airport VIP room privileges, high-value traffic insurance, global emergency support service (gcas), and 24-hour global dedicated telephone service.
Platinum Card (Diamond Card) is the highest-level card type among the credit cards currently issued by banks in my country. Banks are very strict in approving Platinum Cards (Diamond Card), and the application conditions are also very demanding. Only a small number of them Only those with high income or leadership can apply. Its credit limit is generally between RMB 100,000 and RMB 1 million.
Types of credit card products
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, groups and other legal entities.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards
Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.
That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.
Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.
Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.
How to distinguish the card types of transportation credit cards
The card types of transportation credit cards can be distinguished by the first 6 digits of the credit card:
1. Common Bank of Communications credit cards The first 6 digits are: 521899, 458123, 622252 or 628216;
2. The first 6 digits of Bank of Communications Gold Credit Card are: 520169, 458124, 622253 or 628218;
3. The first 6 digits of Bank of Communications Platinum Credit Card are: 522964, 434910 or 622656.
Extended information
Bank of Communications credit cards have the following types:
Platinum Credit Card;
Bank of Communications Platinum Credit Card is specially created for you Comprehensive business travel or family travel services, including airport VIP lounges, alcohol-assisted driving, roadside assistance, high-cost comprehensive family travel insurance and many other exclusive services, providing you with a platinum life experience.
Standard credit card;
Bank of Communications standard credit card provides comprehensive credit card financial services, password signature, free choice, interest-free repayment period up to 56 days, and "privileges" "Life", "Exclusive Advantages" and many other preferential plans allow you to enjoy the endless fun of swiping your card.
Y-POWER Credit Card;
Y-POWER has two unique card surface designs: Force Black and Vibrant White, allowing you to choose your attitude and show off your excellence.
Hong Kong New World Department Store Credit Card;
Bank of Communications Hong Kong New World Department Store Credit Card is a co-branded card jointly launched by Bank of Communications and Hong Kong New World Department Store, including gold cards and regular cards.
Bank of Communications Jinjiang Star Card;
Bank of Communications Jinjiang Star Credit Card is jointly designed by Bank of Communications and Jinjiang Inn Hotel Co., Ltd., and is suitable for business travelers and self-guided tours. A credit card tailored for families and travel enthusiasts.
TESCO Credit Card;
Bank of Communications joins hands with Tesco to present you the new Bank of Communications Tesco Credit Card.
Suning Appliance Credit Card;
Bank of Communications Pacific Suning Appliance Credit Card is a joint credit card jointly issued by Bank of Communications and Suning Appliance***.
In addition, Bank of Communications credit cards also have the following card types: Bank of Communications Chengdu Credit Card, Shanghai Travel Credit Card, MORE Card, Business Card, Bank of Communications Installment Credit Card, Bailian OK Credit Card, Liqun Credit Card, Bank of Communications Pinghetang Credit Card, Jinling Lifestyle Credit Card, Bailian Oriental Credit Card, Kai Tai Department Store Credit Card, Aviation Secretary Credit Card, Asia Miles Credit Card, Haagen-Dazs Credit Card, Yongda Auto Credit Card, Self-Mail Credit Card, BBK Credit Card, etc.
Bank of Communications Credit Card;
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals for life and career" , have pursuits, know how to enjoy, and are more willing to struggle, and sometimes there are people who want to study, do business, research or travel abroad.
Bank of Communications Credit Card is also a group of people with high living standards and willing to try new consumption habits.
"Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing HSBC's advanced technology and management. It brings together both global and local advantages, with the theme of "Global Card for Chinese People", and advocates a new consumer culture and The card experience provides preferential benefits and considerate services all over the world.
Let’s talk about the introduction of credit card types here.