First of all, the essence of the two is different:

1. The essence of UnionPay card: refers to a bank card that meets the requirements of unified business specifications and technical standards and is printed with the word "UnionPay" in the designated position. Card numbers begin with "62".

2. The essence of credit card: 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.

Second, they have different characteristics:

1, the characteristics of unionpay card:

(1) The red, blue and green "UnionPay" logo is printed on the lower right of the front of the card.

(2) There is a holographic laser pattern above the "UnionPay" logo on the credit card.

(3) The signature bar on the back of the credit card is printed with the words "UnionPay" in color, and the written words cannot be smeared. On June 5438+1October 65438+August, 2005, UnionPay changed its logo, with red, blue and green bank cards arranged in parallel as the background, which set off the white UnionPay English and "UnionPay" Chinese modeling.

Compared with the old logo, the new logo of UnionPay mainly adds English UnionPay, and fine-tunes some elements such as the area and inclination of the three-color block.

2, the characteristics of the credit card:

(1) is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

(2) It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

(3) It is a high-tech product integrating financial business and computer technology.

(4) It can reduce the use of cash currency.

(5) It can provide settlement services to facilitate shopping and consumption and enhance the sense of security.

Third, they are different in nature:

1. Nature of UnionPay card: According to the relevant person in charge of the People's Bank of China, bank cards with UnionPay logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.

2. Nature of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is for ordinary consumption, and there is no cash in the card. In many cases, it is only necessary to return the consumption amount on time.

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