There are several types of credit cards

According to different payment methods, the types of credit cards can be divided into debit 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 the cardholder, the types of credit cards can be divided into ordinary cards, gold cards and platinum cards; According to the different issuers, credit cards can be divided into corporate cards and personal cards.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and 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 a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. 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.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. The disadvantages of credit cards are: high interest. If you can't handle the credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month); Credit cards that need to pay annual fees basically have annual fees, but basically there is a policy of exempting annual fees. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee. Stealing credit cards is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when lost or stolen, causing unnecessary trouble or loss.

what are the types of credit cards?

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

1. Credit cards refer to credit cards 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

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

1. Bank cards

This is a credit card issued by a bank. Cardholders can make purchases at special merchants of the issuing bank or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

2. Non-bank cards

These cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

2. According to different issuers, it can be divided into corporate cards and personal cards

1. Corporate cards.

corporate cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal 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. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

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

1. Ordinary cards.

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

gold card. Gold card is a kind of high-paying membership fee and enjoying special treatment. 2. Credit card.

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

Definition of credit limit:

Credit limit, also known as "credit limit", refers to a certain amount of credit limit granted by a bank to its basic customers, that is, enterprises can recycle so much money within a specified period of time. For example, if an enterprise applies for an export bill of exchange quota of 2 million US dollars a year, it can use the amount of 1 million US dollars five times (the procedure only needs to be handled once, and the other procedures are very simple), and if it is used ten times, it can use the amount of 2 million yuan, thus solving the short-term difficulties of the enterprise, improving the speed of enterprise capital circulation and improving the efficiency of enterprise capital use.

What are the types of credit cards

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

(1) Credit cards and debit cards according to whether they have the function of consumer credit;

(2) According to whether the reserve fund is paid or not, it can be divided into: credit card and quasi-credit card;

(3) According to the objects used, it can be divided into: personal card and company 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 cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption 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 card is to make money. Once it exceeds the time of interest-free repayment, it will charge high interest, usually five ten thousandths of interest every day.

Credit card application method:

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct financial source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. 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.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

how many kinds of China bank credit cards are there?

Bank of China has issued many credit card products, including personal Jinpu credit card, Platinum credit card, unlimited credit card, American Express card and so on. The products have perfect functions and colorful activities. You can find out through credit card WeChat WeChat official account, Colorful Life APP, official portal, customer service hotline and other channels.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

This is the end of the introduction about how many kinds of credit cards there are and how many types of credit cards there are. Did you find the information you need?