most of the shopping malls in the bank are physical gifts, with complete categories and rich types, including household appliances, household goods, digital products, maternal and child products, necessities of life, and so on, and everything is no less than an e-commerce.
Credit card points are the encouragement and feedback given by the bank to the cardholder. As long as the cardholder has consumption and meets a certain limit, the bank will give corresponding points.
Cardholders can use the points to exchange goods in the credit card integral mall, or deduct cash from merchants cooperating with banks.
Credit card shopping malls are mostly physical gifts, including household appliances, household items, digital products, maternal and child products, and daily necessities.
due to the different values of the exchanged objects, large points are exchanged for large items, and small points are exchanged for small items.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
from August 1, 217, the annual management fee for bank cards will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22nd, 219, China UnionPay released the Report on the Development of Bank Card Industry in China (219). On August 15th, 22, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. On August 31st, China UnionPay released the first digital bank card "UnionPay Unbounded Card".
On December 2, 219, the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards was adopted at the 1785th meeting of the Judicial Committee of the Supreme People's Court, and will come into force on May 25, 221. Clearly, the user's bank card was stolen and proved that he was not responsible, and he could claim compensation from the bank.
since the 197s, due to the rapid development of science and technology, especially the use of electronic computers, the use of Bank Card has been expanding. Not only has the circulation of cash and checks been reduced, but also the banking business has undergone fundamental changes because it has broken through the limitations of time and space. The application of bank card automatic settlement system will make the arrival of a "no cheque, no cash society" come true soon.
The 2-year development of China's bank card industry can be roughly divided into four stages:
The initial stage was from p>1985 to the early 199s.
from the early 199s to the early 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.
From 1997 to the end of 21, the universal networking stage was gradually realized for China bank cards.
Since p>21, it has been a stage of in-depth development of bank card networking in China, and the number of bank cards issued by various banking institutions in China has increased rapidly.