in addition, it should be noted that under normal circumstances, a credit card will not be automatically cancelled if it is not activated, unless it has expired, in which case it will be automatically cancelled. However, before canceling the credit card, you need to pay off the money in the card and stop using the credit card, so you can wait 45 days before you can officially cancel it.
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Types of credit cards
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 the bank. Cardholders can shop and spend money at the 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 entertainment card.
according to different issuers, it can be divided into corporate cards and personal cards
corporate 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 organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment.
according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards
credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation.
quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes.
according to the different circulation scope of credit cards, they can be divided into international cards and regional cards
international cards. International card is a kind of credit card that can be used outside the issuing country and is universal.
area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.