first, bank cards are divided into credit cards and debit cards, and credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

second, debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used in a specific area and for special purposes (referring to uses other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

third, other classifications of bank cards. Bank cards are divided into corporate cards and personal cards according to different issuers; Divided into RMB cards and foreign currency cards according to different currencies; According to different information carriers, it is divided into magnetic stripe card and chip card. To apply for a bank card, an individual applying for a bank card must provide his/her valid identity document specified by the public security department; Units to apply for a permit issued by the People's Bank of China to open a basic deposit account.

fourth, the cardholder can ask the card issuing bank for the articles of association of the bank card, specifying the types of the bank card, restrictions on its use, interest-bearing charging standards and the rights and obligations of both parties. The use of bank cards, bank cards and their accounts are limited to the cardholder himself, and may not be rented or lent. According to the types of bank cards, cardholders can enjoy the following services:

5. Consumption. According to the scope and methods of use stipulated by the issuing bank, cardholders can shop at special merchants or pay service fees. Usually, they can pay instead of cash by presenting their bank cards and entering the reserved passwords, or presenting their identity documents.

VI. Deposit and withdrawal and remittance. Cardholders can use bank cards to handle deposit, withdrawal (including remote and inter-bank withdrawals) and remittance business. Overdraft, credit card holders can also apply for a certain amount of credit overdraft. When the unit card is used, the unit card may not access cash, and the funds in the unit card shall be transferred and deposited from basic deposit account. The unit card can handle the settlement of commodity transactions and labor supply funds, but it shall not be overdrawn.

VII. Interest and charges for bank cards. Banks do not pay interest on deposits in credit cards and stored-value cards. Interest shall be paid for deposits in quasi-credit cards and debit cards (excluding stored-value cards) according to the regulations of the People's Bank of China.

VIII. Credit card overdrafts for non-cash transactions can enjoy an interest-free repayment period, with the longest interest-free repayment period of 6 days. If the cardholder pays off the bank funds during the interest-free repayment period, there is no need to pay overdraft interest for non-cash transactions. However, if the cardholder overdraws beyond the credit limit stipulated by the bank or chooses the minimum repayment amount (the credit card cardholder cannot repay in full during the interest-free period, but chooses to repay according to the minimum repayment amount stipulated by the issuing bank), he will no longer enjoy the interest-free treatment.

IX. Debit cardholders will not enjoy the interest-free repayment period and the minimum repayment amount if they withdraw cash or overdraw their quasi-debit cards, and will pay overdraft interest at the rate of .5 ‰ of daily interest. If the overdraft of the credit card exceeds the bank's credit limit and the minimum repayment amount cannot be returned, the bank will charge 5% of the overrun fee and late payment fee for the unpaid part of the overdraft limit and the minimum repayment amount. 1. Report the loss of bank cards. Cardholders can report the loss through 24-hour loss reporting service telephone and written loss reporting. The responsibility for reporting the loss should be clearly stipulated in the bank card articles of association and relevant agreements of the issuing bank.

Xi. Universal bank card networking. Universal bank card networking refers to that institutions operating bank card business use their own network system, terminal equipment, special merchants and technical service means to connect with the inter-bank information exchange system of bank cards to realize universal bank card networking. Networked bank card holders can make cross-bank withdrawals at the ATM of any networked bank, spend money at any networked POS, and withdraw money and spend money across regions.

12. At present, bank card users can withdraw cash and spend money across banks. In other places, as long as the local bank posts the "UnionPay" sign, cardholders can withdraw cash and spend money across regions. If the cardholder withdraws money from the same city or from different places, the bank will charge a handling fee not exceeding that of 2 yuan (excluding the cross-regional handling fee for withdrawing money from different places).