The bank card registration account number refers to the bank card number. The bank card number refers to the number code on the hard card issued by each bank. There are unified regulations on the business number segments among various commercial banks. The first 6 digits of the card number represent the card issuing bank identification code, also called the BIN number. Different BIN numbers represent different bank card organizations and card levels.

The process for applying for a credit card and a debit card is different.

When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill in the application form. , the information filled in must be true.

Extended information:

1. Bank cards are divided into credit cards and debit cards according to whether they give the cardholder a credit limit. In addition, bank cards can also

1. Be divided into magnetic stripe cards and chip cards according to different information carriers;

2. According to whether the issuer is in the country, they can be divided into domestic cards and overseas cards;

3. According to the different issuing objects, it is divided into personal cards and corporate cards;

4. According to the account currency, it is divided into RMB cards, foreign currency cards and dual-currency cards.

2. Debit Card

Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash.

A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Debit cards can be used for purchases online or at POS, or for transfers and withdrawals through ATMs. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

3. Credit card

Credit cards are often called credit cards. They have the following characteristics: consume first and repay later, and enjoy an interest-free payment period (up to 56 days). ), and has a minimum repayment amount, and customers can repay in installments if they are overdrafted. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

IV. Precautions

1. When entering the password, be sure to cover it with your hands. If you find any abnormalities in the password protection cover and card entry protection slot of the ATM machine, for the sake of safety, do not Use it and inform the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;

< p>3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank card numbers and passwords at will;

4. When swiping cards for consumption, do not let bank cards out of sight. Within the scope, pay attention to the number of times the cashier swipes the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your own card;

5. Activate the mobile phone text message service and keep track of it at any time Account changes, once abnormal transactions are discovered, call the bank immediately to report the loss;

6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.

Baidu Encyclopedia-Bank Card Number