Prepaidcard is a prepaid card, and CreditCard is a credit card. There are credit cards and prepaid cards in China. Their differences are:
1. The card issuers are different: credit cards need to be applied for at the bank, and prepaid cards Usually sold in supermarkets.
2. The payment methods are different: credit cards are consumed in advance, while prepaid cards have already been recharged. When paying, the prepaid card uses the money that has already been paid on the card.
3. The acquisition methods are different: the credit card requires you to go to the bank with your ID card, and it is real-name; the prepaid card is anonymous, and you can buy it yourself or someone else.
4. The places of use are different: credit cards can be used wherever there is a POS machine, while prepaid cards can only be used at the unit where the card was purchased. For example, the prepaid cards sold by Walmart can only be used in Walmart supermarkets.
Extended information
Commercial prepaid cards can be divided into single-purpose prepaid cards and multi-purpose prepaid cards according to different use scopes.
1. Single-purpose prepaid card
A single-purpose prepaid card is a kind of prepaid card issued by the card issuer and used only to purchase goods or services in the company or a chain commercial enterprise of the same brand. Card. Including large-scale card issuance, group card issuance and brand card issuance.
Case: Such as Suning Card, Wal-Mart Card, Carrefour Card, Parkson Card, Beauty Card, etc., which can only be used within the card issuing company.
2. Multi-purpose prepaid card
A multi-purpose prepaid card is a prepaid card issued by the card issuer and can be used to purchase goods or services from companies or merchants outside the issuing institution. It can be used across regions, industries, and legal entities.
Case: Shangtong Card, Fucard, Xinsheng Easy Card, Huanfu Card, Linking Card, etc., can be used at multiple contracted customers such as shopping malls, convenience stores, restaurants, etc.
Baidu Encyclopedia—Prepaid Card
Baidu Encyclopedia—Credit Card