1. Credit card: refers to a credit card that the issuing bank gives the cardholder a certain credit line, and when the cardholder receives and uses the card, he can spend it first and then repay it within the consumption credit line without paying a deposit. As long as the cardholder can pay the interest and repayment in installments according to the regulations of the bank, he can recycle the consumer credit provided by the bank.
2. Quasi-credit card: refers to a credit card that the cardholder must pay a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank. At present, all kinds of credit cards issued by our bank allow a certain overdraft of goodwill, which belongs to quasi-credit cards.
Two, according to the object of use is divided into personal card and unit card.
1. Personal cards are issued to individuals. All citizens with full capacity for civil conduct can apply for personal cards.
2. Company cards are issued to enterprises, institutions, military units, organizations, schools and other legal person organizations. These legal institutions can apply for business cards in the name of their own units and bear the responsibility of credit cards.
Three, according to the credit rating is divided into diamond card, platinum card, gold card and ordinary card.
1. Ordinary cards are issued to cardholders with average economic strength, reputation and status, and the requirements are not high.
2. Credit cards with gold cards and above are advanced credit cards that pay high membership fees and enjoy special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and guarantee funds are higher.
Four, according to the different circulation scope of credit cards, they can be divided into international cards and regional cards.
1, international card:
International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISA Card, American Express Card, American Express Card, JCB Card and Diner Club Card issued by five overseas groups (MasterCard, Visa International, American Express Card and Diner Club Card) are international cards.
2. Regional card:
Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards, that is, UnionPay standard credit cards.