I am used to the name of credit card on weekdays, and suddenly someone doesn't know everything about credit cards. ? In fact, what we usually call a credit card is a broad term, because credit cards are divided into credit cards and quasi-credit cards, which are the same as credit cards and debit cards (savings cards) collectively referred to as bank cards. To put it bluntly, a credit card is a kind of credit card. After the credit card is opened, users don't need to deposit cash in it. When the bank opens, it will specify a credit line, within which they can spend in advance and repay the arrears within the date specified by the bank (credit card repayment date). This definition will definitely remind you of credit cards. In fact, the definition of credit card is what we often say, but the real credit card is not so defined. TA also includes a quasi-credit card.

What is a credit card?

Actually, this is a credit card.

The lifetime is called a savings card or a debit card.

credit card

Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Credit card is a real credit card, which has the functions of credit consumption, transfer settlement and cash deposit and withdrawal. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and customers can repay by installments independently in case of overdraft.

What is a credit card?

credit card

Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Credit card is a real credit card, which has the functions of credit consumption, transfer settlement and cash deposit and withdrawal. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and customers can repay by installments independently in case of overdraft.

How to overdraw:

Credit card holders can overdraw their credit cards within the credit limit stipulated by the issuing bank without having to reserve funds in the bank. Generally, the maximum overdraft limit is 30,000-50,000 yuan. The maximum overdraft limit of different banks is different, and according to everyone's credit record, the maximum overdraft limit will be different.

Treatment of outstanding overdraft expectation:

After overdraft, overdraft interest shall be charged at the rate of 0.5 ‰ per day for 3 months. If there is no repayment within 3 months, according to the conclusion of the crime of financial fraud, if there is no repayment within 1 month, it will be listed as a black account by the bank for observation. The sooner the better, the longest time is 3 months.

As for the repayment amount and term, the general overdraft exemption period is one month, and there will be a minimum repayment amount on the bill. The general bank setting amount is 65,438+00% of your total overdraft last month. If you pay this minimum repayment amount, the rest can be included in the repayment amount next month, and besides the daily interest of one ten thousandth, there is also a late payment fee, starting from ten yuan, and a credit line. If you apply for a credit card, if you don't provide the corresponding property certificate and guarantee, according to the current minimum overdraft limit of the bank, it is about 5000. In the future, the adjustment of throughput will be based on your personal overdraft and repayment credit, and the bank will help you make corresponding adjustments.

How to apply for a credit card?

Credit card processing generally requires someone to provide a guarantee for the applicant. Applicants and guarantors usually have fixed jobs and have certain economic ability, and the guarantor is willing to bear the guarantee responsibility. At the time of application, the applicant and the guarantor shall be present at the same time, and hold valid identity certificates and copies of both parties. A valid identity document refers to an identity card, passport, military officer's card, police officer's card or other valid identity documents recognized by the public security department. Two people want to get a bank card, and they can't guarantee each other. According to the applicant's credit status, the amount of deposit that the bank determines the applicant needs to pay is also different. In addition to the deposit, the applicant has to pay the corresponding handling fee, the so-called annual fee. The annual fee should be paid once a year. According to different types of cards, different issuing banks, the annual fee standard is also different, generally around tens of yuan, or even more. Credit cards and debit cards cannot be processed on the spot, and users generally have to wait 1 to 5 working days to get them.

Credit cards are divided into corporate cards and personal cards according to users; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the currency, it can be divided into RMB card, international card or dual-currency card with both functions.

Credit cards have the following characteristics:

1, no overdraft consumption, 20-50 days interest-free repayment on time, without any interest.

2. swiping a card while shopping is not only safe, hygienic and convenient, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.

5. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.

6. All kinds of discounts and lottery activities throughout the year, as long as you use the card, you will always be surprised.

7. Send the statement free of charge every month, so that you can grasp every consumer expenditure transparently.

8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.

9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

10, 24-hour free 800 telephone service, loss reporting takes effect immediately, and there is no risk of losing the card.

The key to the good development of credit card business lies in:

1. How to improve the card environment and increase the transaction amount?

One of the main incomes of credit card issuance is the handling fee of credit card consumption, the interest of goodwill overdraft obtained from special merchants and other intermediary business charges. Therefore, expanding the application scope of credit cards and increasing the transaction volume of credit cards are the sources for issuing banks to obtain greater profits.

For merchants, the current consumption of credit cards needs to be traded online. Due to the current domestic communication situation, the average transaction time is longer than using cash, so many businesses have more ... >>

What's the difference between a credit card and a quasi-credit card?

Credit card, in a narrow sense, is a kind of payment card that provides cardholders with consumer credit. Cardholders can "buy first, settle later, and pay later" without depositing in the issuing bank. According to the customer's credit status and other conditions, the issuing bank sets a "credit limit" for each credit card account. Generally, the issuing bank sends a bill to the cardholder once a month, and the cardholder can choose to pay off the account without paying interest within a certain grace period after receiving the bill; Either pay part of the bill, or only pay the minimum amount, and pay interest later. This kind of credit card is the most widely used payment card at present, and its core features are credit sale and revolving credit.

Quasi-credit card is also a kind of credit card with China characteristics, which was produced under the condition of imperfect credit mechanism in China. Its appearance and development laid the foundation for the popularization of credit cards. Quasi-credit card has some functions of credit card and debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using, deposit first and then consume, and deposit pays interest. When shopping, you can overdraw within the limit approved by the issuing bank, but the overdraft amount will bear interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is no interest-free repayment period and minimum repayment amount.

The difference between credit card, debit card and credit card

Debit card: This is the most commonly used and simplest. Can be used with passbook. The deposit bears interest and cannot be overdrawn. Debit cards are used for consumption and password inquiry.

Credit card: this is the most commonly used credit card at present, and it is also being promoted by major banks at present. Credit card deposits are interest-free, but they can be overdrawn, that is, they can spend the bank's money, and they can be spent again after they are spent. As long as you are in the interest-free period, you can enjoy interest-free use without additional expenses. Credit card interest-free overdraft is limited to credit card shopping. Withdrawals at ATMs or counters are not interest-free. At present, most credit cards in China can be signed and swiped, and passwords are required for cash withdrawal or ATM inquiry.

Credit card: At present, we often say that credit card refers to debit card, but it is not the same concept. This is because there is a special credit card in China, that is, quasi-debit card, which is a special product born in the immature use environment of credit cards in China. Like a debit card, its deposit bears interest, just like a debit card, but it can be overdrawn at the same time, similar to a credit card, but not exactly the same. Quasi-credit card overdrafts do not enjoy interest-free period. Quasi-credit card consumption can also be based on signature only.

Simply put, credit cards in a broad sense include credit cards and quasi-credit cards, and credit cards in a narrow sense only refer to credit cards. At present, it is often said that quasi-credit cards are dying out in China, but judging from the current situation in China, quasi-credit cards still have a considerable market.

Here is a link to Netease, which also introduces what a credit card is. Please check:

Finance.sina/... building

What does a credit card mean? What are the uses?

Types of bank cards

(1) Bank cards are divided into credit cards and debit cards.

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

Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.

Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn.

The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash.

Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

(2) Other classifications of bank cards

Bank cards are divided into unit cards and personal cards according to different card issuers; Divided into RMB cards and foreign currency cards according to different currencies; According to different information carriers, it can be divided into magnetic stripe card and chip card.

2. Bank card application

Individuals applying for bank cards must provide their valid identity documents stipulated by the public security department; The unit applies to the People's Bank of China for a permit to open a basic account.

The cardholder may ask the issuing bank for the articles of association of the bank card, stating the types of the bank card, restrictions on use, interest-bearing charges and the rights and obligations of both parties.

3. Use of bank cards

Bank cards and their accounts are for the cardholder's own use only, and may not be rented or lent.

According to the types of bank cards, cardholders can enjoy the following services:

(1) consumption

Cardholders can spend money or pay service fees in special merchants in accordance with the scope and methods stipulated by the issuing bank. Usually, they can pay in cash by showing their bank cards and entering reserved passwords or showing their identity documents.

(2) Deposit and withdrawal and exchange

Cardholders can use bank cards for deposits, withdrawals (including remote and inter-bank withdrawals) and remittances.

(3) Overdraft

Credit card holders can also apply for a certain amount of credit overdraft.

(4) the use of the unit card

The company card is not allowed to deposit or withdraw cash, and all funds in the company card are transferred out of basic account and deposited. The unit card can handle the settlement of commodity trading and labor supply funds, but it shall not be overdrawn.

4. Interest and expenses of bank cards

Banks do not pay interest on deposits of credit cards and stored-value cards.

Interest shall be paid on the deposits of quasi-credit cards and debit cards (excluding stored-value cards) in accordance with the regulations of the People's Bank of China.

Credit card overdrafts for non-cash transactions can enjoy an interest-free repayment period of up to 60 days. During the interest-free repayment period, the cardholder does not need to pay overdraft interest for non-cash transactions. However, if the cardholder overdraws beyond the credit limit stipulated by the bank or chooses the minimum repayment amount (the credit card cardholder cannot repay in full during the interest-free period, but chooses to repay according to the minimum repayment amount stipulated by the issuing bank), he will no longer enjoy interest-free treatment.

When a credit card holder withdraws cash or overdraws a quasi-credit card, he does not enjoy the interest-free repayment period and the minimum repayment amount, and pays overdraft interest at a daily interest rate of 0.5 ‰.

If the credit card overdraft exceeds the bank's credit limit and the minimum repayment amount cannot be returned, the bank will charge 5% of the overdraft limit and the minimum repayment amount for the unpaid part.

5. Bank card loss reporting

The cardholder can report the loss of the bank card through the 24-hour loss reporting service telephone and written loss reporting, and the responsibility for reporting the loss should be clearly stipulated in the bank card charter and the relevant agreement of the issuing bank.

6. Universal bank card networking

The universality of bank card networking refers to that the institutions operating bank card business use their own network system, terminal equipment, special merchants and technical services to connect with the inter-bank information exchange system of bank cards to realize the universality of bank cards.

Networked bank card holders can make cross-bank withdrawals at the ATM of any networked bank, spend money at any networked POS, and withdraw money and spend money across regions.

At present, bank card users can withdraw cash and spend money across banks. In other places, as long as the local bank posts the "UnionPay" sign, cardholders can withdraw cash and spend money across regions.

If the cardholder withdraws money in the same city or in different places, the bank will charge no more than 2 yuan's handling fee (excluding the cross-regional handling fee for withdrawing money in different places). ...& gt& gt

What's the difference between credit card, debit card and credit card?

1. Credit card, also known as quasi-credit card, has the function of credit card overdraft, but it will generate overdraft interest on the same day regardless of credit card consumption or cash withdrawal. General annual fee is 40-80 yuan.

2. Debit card, the most basic savings card, can deposit and withdraw money, but the functions of buying and selling funds, stocks and wealth management products are not available in the other two cards. General annual fee 10 yuan.

3. Credit cards, also known as overdraft card, are mainly used for consumer overdrafts. Generally, credit card overdrafts will have an interest-free period of about 20-56 days, and they can also be repaid in installments. The cost is similar to that of a credit card.

I made it myself.

What's the difference between a credit card and a quasi-credit card?

Bank cards are divided into credit cards and debit cards, and credit cards are divided into credit cards and quasi-credit cards. Debit card is an ordinary savings card, which belongs to current deposit account and can be used for consumption, ATM deposit and withdrawal, etc. Credit cards can be used for spending, ATM deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).

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Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

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Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

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The following are the differences between the two cards:

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1. Credit cards (consumer credit products) are used after consumption, and debit cards are used after deposit;

2. Credit cards can be overdrawn, but debit cards cannot be overdrawn;

3. Credit cards have revolving credit lines, while debit cards have no revolving credit lines; (Revolving credit refers to the credit line approved by the bank to the cardholder. The cardholder's credit line can be reused without full repayment, and only the specified minimum repayment amount can maintain a good credit record. )

4. If the credit card holder repays in full before the final repayment date, the shopping consumption will enjoy an interest-free repayment period;

5. Credit card deposits do not bear interest, and debit card deposits are calculated at the savings rate;

6. Credit card belongs to asset business and debit card belongs to liability business;

7. The issuance of credit cards must meet the relevant conditions (such as the situation of the work unit, the evaluation of repayment ability, the review of personal credit records, etc.). ), and debit cards only need ID cards;

8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo.

What's the difference between a credit card and a credit card?

Generally speaking, a credit card is a quasi-debit card, but it can bear interest in full, but there is no interest-free period, but the deposit has interest, while a credit card can bear interest in full, but the deposit in the card has no interest.

The difference between credit card and debit card

Credit card is a kind of credit card. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank.

Credit card is a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.

Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve fund is insufficient to pay, he can overdraw within the credit limit stipulated by the issuing bank, and the interest will be calculated from the date of overdraft. Credit card account deposits do not charge interest, quasi-credit card account deposits charge interest.