State-owned banks: China Bank, Industrial and Commercial Bank, China Construction Bank, Agricultural Bank and Postal Savings Bank.

Major national commercial banks: China Merchants Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank and Citibank.

Regional banks: Bank of Ningbo, Bank of Beijing, Bank of Jiangsu, Shanghai Rural Commercial Bank, Baoshang Bank, Hangzhou Bank, Nanjing Bank, Hebei Bank, Chongqing Rural Commercial Bank, Shengjing Bank, Chengdu Rural Commercial Bank, Shangrao Bank, Du Yao Rural Commercial Bank, Shangqiu Commercial Bank, Wenzhou Bank, Guangzhou Bank, bank of tianjin, Urumqi Commercial Bank, Harbin Bank, Chongqing Bank and Hankou Bank.

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Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. When we talk about credit cards, we usually only refer to credit cards.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world.

In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million.

In 20 16, the national credit card consumption transaction amount reached 74 1.8 1 trillion yuan, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

Characteristics of Chinese mainland credit card (international credit card);

1. Consume first, then repay.

2. Deposits do not generate interest.

3. In Chinese mainland, the repayment period is interest-free, generally 20 to 60 days.

4. There is a minimum repayment amount.

5. Generally, interest is calculated by simple daily interest rate and monthly interest rate.

6. If the repayment is not made on schedule with the minimum repayment amount, penalty interest or late payment fee will be levied; Those who maliciously overdraw shall bear legal responsibility.

7. The application needs to provide certain proof of identity, property and financial resources, and sometimes a guarantee is needed.