according to different issuers, it can be divided into bank cards and non-bank cards. This is a credit card issued by the bank. Cardholders can shop at special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs. Non-bank card. This kind of card can be divided into retail credit card and travel and entertainment card.
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1. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies. It is specially used for shopping in designated shops or refueling at gas stations, and the accounts are settled regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on. According to different issuers, it can be divided into corporate cards and personal cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal persons. Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, science and technology workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for using the card. According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
second, ordinary cards are issued to cardholders with average economic strength, reputation and status, and the requirements for them are not high. Gold card. Gold card is a high-grade credit card that pays high membership fees and enjoys special treatment. The issuer is a person with high credit, strong repayment ability, good credit or a certain social status. The starting point of gold card authorization amount is high, and the additional service items and scope are much wider, so the requirements for related service fees and deposits are relatively high. According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards. That is, when the issuing bank provides bank credit, it overdraws first, then repays or pays by installments. Most of these cards are used for international circulation. In other words, the cardholder is allowed to deposit nothing in the credit card account, and the repayment method is "consumption first, then deposit". Most of these cards are used for international circulation.
three and a half credit cards. It's a credit card issued by a bank, which is deposited before consumption. When applying for a credit card, the cardholder needs to deposit a certain amount in the issuing bank for backup. When using the card, the cardholder needs to be based on the balance of the deposit, and generally no overdraft is allowed. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards. International card is a kind of credit card that can be used outside the issuing country and is universal all over the world. MasterCard, Visa, American Express Card, JCB Card and Diner Club Card issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diner Club Card) are mostly international cards. Area card. Regional card is a kind of credit card that can only be used in the issuing country or a certain region. Most credit cards issued by commercial banks in China belong to regional cards.