1. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay;
2. A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.
1. According to different card issuers, it can be divided into bank cards and non-bank cards
1. Bank cards
This is a credit card issued by a bank. Cardholders can make purchases at special merchants of the issuing bank or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
2. Non-bank cards
These cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
2. According to different issuers, it can be divided into corporate cards and personal cards
1. Corporate cards.
corporate cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
2. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.
3. According to the credit status of cardholders, they can be divided into ordinary cards and gold cards
1. Ordinary cards.
Ordinary cards are issued to cardholders with average economic strength, reputation and status, and their requirements are not high.
gold card. Gold card is a kind of high-paying membership fee and enjoying special treatment. 2. Credit card.
card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
Definition of credit limit:
Credit limit, also known as "credit limit", refers to a certain amount of credit limit granted by a bank to its basic customers, that is, enterprises can recycle so much money within a specified period of time. For example, if an enterprise applies for an export bill of exchange quota of US$ 2 million a year, it can use the amount of US$ 1 million (only one procedure is required, and the other procedures are very simple), and if it is used ten times, it can use the amount of US$ 2 million, which on the one hand solves the short-term cash flow difficulties of enterprises, improves the capital circulation speed of enterprises and improves the efficiency of capital use of enterprises.