For users with a Beijing driver's license, you can choose whether to apply for a Peony transportation card according to your own needs. Applying for a Peony transportation card is not mandatory. The Beijing Municipal Traffic Management Bureau no longer forces the use of the Mudan Transportation Card as a driver information card. Users who have already applied for the Mudan Transportation Card can use the card as an ordinary credit card, or go directly to the Industrial and Commercial Bank of China to cancel the card.

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Bank card types can be of different types according to different classification basis. In our country, bank cards can be divided into debit cards and credit cards according to personal credit limits, which is also the most common classification method.

1. Debit card

Debit cards are divided into transfer 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.

Specialized cards are debit cards used in specific areas and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). They have the functions of transferring funds, depositing and withdrawing cash.

A stored-value card is a prepaid wallet 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 Funds are withdrawn directly from the savings account when spending or withdrawing money.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.

2. Credit card

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

A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Notes

1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. At the same time, 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;

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. 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 SMS service to keep track of account changes at any time If you find an abnormal transaction, 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.