How to know what a credit card looks like: 1. Call the customer service hotline on the back of the credit card directly for inquiry; 2. Bring your ID card and credit card to the bank counter for inquiry, and there is no charge for inquiry; 3. Inquire through Bank official website, provided that the user has opened online banking. Credit cards are generally divided into Puka, Gold Card, Platinum Card and Diamond Card.

There will be some differences in the credit limit of different credit cards. The credit limit of ordinary cards is below 1 000 yuan, that of gold cards is between 1 000-50,000 yuan, and that of platinum cards is above 50,000 yuan. However, the specific credit line needs to be given according to the financial certificate submitted by the user.

Users must repay on time after using their credit cards every day, and there can be no overdue repayment. When repayment is difficult, users can use installment repayment or minimum repayment amount to effectively reduce the monthly repayment amount, avoid overdue repayment, and do not generate penalty interest.

Late repayment of credit cards will affect personal credit information. If personal credit information deteriorates, subsequent handling of various loans will be affected. In fact, when an individual can't repay the loan on time, users can borrow money from friends around them to avoid overdue, but they should return it to their friends in time.