(1) According to the credit card issuer, they can be divided into bank cards and non-bank cards;
(2) According to the storage media of credit card information, it can be divided into magnetic stripe card and chip card;
(3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card;
(4) Credit cards can be divided into foreign currency cards and local currency cards according to different settlement currencies;
(5) According to the different circulation scope, it can be divided into international cards and regional cards;
(6) According to the number of currencies of credit card accounts, it can be divided into single-currency credit cards and dual-currency credit cards;
(7) According to the subordinate relationship of credit cards, they can be divided into main cards and supplementary cards;
(8) Credit cards can be divided into corporate cards and personal cards according to different issuers;
(9) According to the credit status and credit status of cardholders, they can be divided into unlimited cards, platinum cards, gold cards and ordinary cards.
(1) According to the different shapes of credit cards, they can be divided into standard credit cards and irregular credit cards.
what does the appearance of a credit card include?
The front of a credit card generally includes the following contents:
(1) the registered trademark pattern and card organization logo of this credit card;
(2) special marks or anti-counterfeiting marks for credit cards;
(3) The issuing bank code, credit card number, cardholder's name pinyin, expiration date, etc. of the issuing bank (or company).
On the back of the credit card, there are the following contents:
(1) a magnetic tape with the cardholder's account number, available amount, personal password and other information recorded on it;
(2) The credit card holder signs, and the three digits immediately following the last of the card number are used for security authentication;
(3) a simple statement from the issuing bank;
(4)24-hour customer service hotline
What is the relationship between the supplementary card and the main card?
all debts incurred by supplementary cardholders when using credit cards are borne by the main cardholder, who directly pays the debts to the card issuer or the special unit. Therefore, the main cardholder and the supplementary cardholder are mostly related to property, or know and trust each other, and there are agreements such as gift, entrustment and paid commitment between them. At the same time, it also determines that the main card and supplementary card belong to the same account and the credit line is shared.
in the relationship between the cardholders of the main card and the supplementary card, the cardholder of the main card is in a dominant position and has the right to decide to add or cancel the supplementary card, while the cardholder of the supplementary card is in a subordinate position. If the primary card is cancelled, the secondary card should be returned to the card issuer voluntarily. When the main cardholder requests to stop using the supplementary card midway, he should also return the supplementary card to the card issuer, and the outstanding debts will still be borne by the main cardholder.
what are the advantages of credit cards?
(1) Cardholders can get goods and services without paying cash, which avoids the inconvenience and risk of consumers carrying a lot of cash and facilitates consumers to go out for shopping, business trips and travel.
(2) Banks can use this as a means to win deposits from merchants and customers with credit cards, and charge a certain percentage of commission according to the total amount of advance payment.
(3) The credit card closely connects the issuing bank, the cardholder, the special merchant and the agency bank, forming a cyclic chain of creditor's rights and debts, and the establishment and development of this relationship depend on the credit provided by each other.
can a credit card be regarded as money?
yes. Credit cards can also be called electronic money. Why do you think of credit cards as money?
(1) First of all, money and credit cards are both a kind of goods, and they are both special goods that act as exchange media;
(2) Credit cards are also involved in commodity circulation;
(3) As a means of payment, credit card is an advanced payment tool;
in view of the above characteristics of credit card, credit card, as a medium of exchange, can replace cash circulation to a large extent and enter the so-called cashless society, so people regard it as a new currency after paper money.
what's the difference between a credit card and money?
Although credit cards are closely related to money, they are essentially different:
(1) First of all, money is a universal equivalent as a medium of exchange, and the function of value scale is the most basic function of money, while credit cards are different. They are not equivalent and have no value scale function, but only a means of value transfer and a carrier of money;
(2) Secondly, as a means of circulation, money and goods are constantly moving in transposition between buyers and sellers, while credit cards always belong to one owner. When goods are traded as a medium, the value is transferred, but credit cards are not, and the medium is still the transposition of money and goods;
(3) Thirdly, credit card is an advanced payment tool, which is the expansion and extension of monetary payment means. It breaks through the limitations of money, can complete transactions for its holders in one place or several places, and can pay money in large or small amounts within the bank credit line in exchange for the goods and services that cardholders need. When serving the same cardholder, it greatly expands the means of payment in money in time and space;
(4) finally, the credit card layout has storage means, which only performs the function of a savings passbook when serving customers;
(5) it will not become the world currency. Although credit card breaks the national boundaries and is widely used in the world, because it has no value scale function, it still transfers money, and it is still a payment tool when money is implemented in functions of money.
what's the difference between credit cards and cash or checks?
Credit card, as a means of payment, has now become an indispensable means of exchange in many countries' economies. Compared with cash and checks, it can bring more convenience to consumers and businesses, fully demonstrating the advantages of credit cards.
(1) cash is heavier and more complicated than credit cards in terms of area, weight and amount;
(2) Cash is easy to be stolen and difficult to recover;
(3) the defects of the check itself. One is that the cheque book is not easy to carry, and the other is that the cheque is difficult to use across regions, which is mainly to prevent the risk of blank cheque. Check guarantee service can only partially prevent the risk of bad checks, and the guarantee fee is high, generally 1%-2.2%, and the drawer with high risk even needs to pay as high as 5%;
(4) The use of credit cards has promoted the development of ordering methods such as mail order, telephone shopping and online shopping. Before the advent of credit cards, people had to fill in the order form after obtaining the list of goods and mail it together with the check, which was extremely time-consuming. Credit card can greatly save transaction time and improve transaction efficiency.
what's the difference between a credit card and a bill?
(1) Credit card is a commodity, a special financial commodity, which needs to be bought with money, while bills are not commodities;
(2) When bills are used as payment tools, they are limited by time, space, amount and beneficiaries. In a certain period of time, a specific beneficiary will go to a pre-determined place to collect the amount listed in the bills. Credit cards, on the other hand, abandon the limitations of bills. Unlike bills, which are only used once, they can be used many times. They can be paid many times in different places and different merchants, and the amount is not fixed. The beneficiaries can be different people, which greatly develops the functions of bills.
(3) As a credit tool, bills only play a role in payment, while credit cards are not only payment tools and settlement tools, but also have the function of consumer credit, which is not available in any bills or currencies.