1. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
2. The way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
Extended data:
Credit cards can be issued in banks, micro-silver POS mobile phones, and transfer du/ remittance payments can be made.
1, within the issuing bank
The types of bai of this party include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
What does a credit card mean?
A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Extended data:
The harm of credit card overdraft:
1, resulting in bad credit records;
2. Interest: calculated at 0.5 ‰ per day;
3. Late payment fee: generally calculated at 5% of the unpaid part of the minimum repayment amount (depending on the regulations of banks);
4. Credit card malicious overdraft may also face criminal punishment;
5. If you are blacklisted by the bank, you can no longer have a credit relationship with the bank within 5 years from the date of paying off the arrears. A delay of one or two days in repayment will not have much impact on credit standing, but overdraft interest will be charged, that is, overdraft interest will be charged for two days according to one ten thousandth of the overdraft amount.
Baidu encyclopedia-credit card
What is a credit card?
Credit cards, like debit cards, are rectangular bank cards.
Credit card is a payment method that does not require cash transactions. After the bank handles the credit card, it can spend directly, which is a short-term borrowing behavior and needs to be repaid later.
If you don't have it for the time being, using a credit card can increase the flexibility of funds. There are also many marketing organizations that can enjoy various preferential discounts brought by credit cards. They often use credit cards to make their credit information better, but remember to repay them in time. A stable repayment record will make the bank list you as a quality customer.
If there is a demand for mortgage and car loan in the future, it will be easier to approve. When you use a credit card, you will flexibly record your monthly consumption records, which will make you more aware of your consumption.
So much for the introduction of credit cards.