There is no interest for users to deposit money in credit cards, but it takes a certain handling fee to take it out after misdepositing; Co-branded credit cards are easy to get, and it is easy for users to blindly consume and forget the consumption quota of the month, resulting in overdue credit cards. Overdue credit cards will have a negative impact on life in the next five years; Credit cards are easy to be stolen after being lost, so it is very inconvenient to report the loss and cancel it at the local designated bank.

Joint credit card refers to the agreement reached between credit card and commodity distributor, so that cardholders can not only enjoy excellent financial services, but also enjoy special discounts from manufacturers when spending. Joint credit card was approved in France on June 65438+10/October 65438 +0, 2007. It is a bank card with company or store and association icons, including Visa, MasterCard and American Express. The operation form of joint credit card is that the card-issuing bank and airlines, telecommunications companies, shopping malls and other profit-making institutions jointly issue cards, and cardholders can enjoy a certain percentage of discounts provided by merchants when spending in these institutions. Now many banks have developed joint credit cards with the larger shopping malls in this city. The card fee for a joint credit card is generally 19 to 45 euros. Card issuers and their cooperative merchants offer incentives and price reductions to credit card holders. This is a "real" credit card, because it can withdraw cash and pay for goods, which is recognized by all banking networks and businesses.

China Construction Bank Unicom Longka: China Unicom Longka is a credit card designed for high-quality members of China Unicom Customer Club, which integrates financial consumption and telecommunications services. Customers with Unicom Dragon Card can give priority to the products and services of CCB and Unicom; Credit card spending can accumulate points for Unicom products and services or deduct the annual fee of Unicom Dragon Card; Cardholders can also enjoy the Unicom business travel service hotline 10 19 1 national hotel air ticket reservation; In a specific promotion period, Unicom Longka cardholders also enjoy phased additional services and price concessions. Guangdong Development Bank's credit card for college students: This kind of credit card for college students can be used for basic overdraft consumption and small amount of funds to help students, and can be discounted at special merchants around the campus such as book bars and computer specialty stores. This kind of credit card is mainly aimed at non-graduate students from freshmen to juniors, with items such as "living expenses standard" and "living expenses supply frequency" as the basic information of income status.