According to different payment methods, credit cards can be divided into credit cards and debit cards; According to different card issuers, credit cards can be divided into bank cards and non-bank cards; According to the credit status of cardholders, credit cards can be divided into ordinary cards, gold cards and platinum cards; According to different card issuers, credit cards can be divided into corporate cards and personal cards.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. The disadvantage of credit card is: high interest. If you can't apply for a credit card and can't repay it on time by the final repayment date, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than10% of its overdraft amount in that month); Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee. Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss.

What kinds of credit cards are there?

Credit cards can be divided into the following categories according to four dimensions:

(1) can be divided into: credit card and debit card according to whether it has the function of consumer credit;

(2) According to whether the reserve fund is paid, it can be divided into: credit card and quasi-credit card;

(3) According to the users, it can be divided into: personal card and unit card;

(4) According to the credit rating, it can be divided into platinum card, gold card and ordinary card.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time. The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Credit card application method:

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

What kinds of credit cards are there?

Credit cards are divided into credit cards and quasi-credit cards:

1. Credit card refers to a credit card 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

First, it can be divided into bank cards and non-bank cards according to the different card issuers.

1, bank card

This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

2. Non-bank card

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

Two, according to the issue of different objects, can be divided into corporate cards and personal cards.

1, company card.

Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person 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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Three, according to the cardholder's reputation, status and other credit status, can be divided into ordinary cards and gold cards.

1, ordinary card.

Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. A gold card is a card that pays a high membership fee and enjoys special treatment. 2. Credit card.

Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Definition of credit limit:

Credit line, also known as "credit line", refers to a certain amount of credit line granted by banks to their basic customers, that is, enterprises can recover so much money within a specified time. For example, if an enterprise applies for an export bill of exchange of US$ 2 million a year, it can use the amount of US$ 6,543,800,000+for five times (the formalities only need to be handled once, and other procedures are very simple), and the amount of RMB 20,000,000 can be used after using 10 times, which solves the short-term difficulties of the enterprise, improves the capital turnover speed of the enterprise and improves the efficiency of capital use.

Credit card type

According to different classification standards, credit cards are mainly divided into the following categories: generally, they can be divided into the following six standards: (1) According to credit card issuers, they can be divided into bank cards and non-bank cards; (2) According to the storage medium 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.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. 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.

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

How many kinds of credit cards are there?

Credit cards are divided into credit cards and quasi-credit cards.

Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Features:

High-tech products integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.

It can simplify the collection procedure and save social labor.

Extended data:

Credit card installment repayment has always been considered to have no interest, and the handling fee is actually interest. At present, many banks have set up interest-free installments with different maturities, such as 3 installments, 6 installments, 9 installments and 12 installments, and the handling fee is generally between 0.55% and 0.7%. However, this is only a superficial ratio, and the actual ratio is much higher than this. After calculation, the actual annualized rate exceeds 15%. Some banks will also impose higher rates on users with higher risk levels.

When banks invite them to apply for cards in stages, some cardholders often think that not doing so will "offend" the banks, but this is not the case. Installment repayment can't really help credit card withdrawal.

Baidu encyclopedia-credit card

There are several types of credit cards, so let's stop here.