The difference between these two cards is that:
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.
Bank cards (UnionPay 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).
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.
The difference between credit card and bank card
The function is different. The main function of bank card is to save money and withdraw money, and the main function of credit card is to spend money. The validity period is different. Most credit cards are valid for five years, while bank cards are valid for five years, 10 years or even indefinitely. Bank card deposits have interest, while credit card deposits have no interest.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who 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 credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple supplementary cards as needed. 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. The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.
After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction. Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount. After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed. It is a new credit card usage mode and networking mode, which is sensed by swiping the card on the RFID machine.
The difference between credit card and bank card
1, with different functions. The main function of bank card is to deposit and withdraw money, and the main function of credit card is to spend money. 2. The validity period is different. Most credit cards are valid for five years, while bank cards are valid for five years, 10 years or even indefinitely. 3. Bank card deposits have interest, and credit card deposits have no interest; 4. The annual fee is different. The annual fee of bank cards is mostly more than ten yuan, but the annual fee of credit cards is as high as several hundred yuan or even thousands of yuan.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card.
This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card.
Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
What's the difference between a credit card and a bank card?
The difference between credit card and bank card: credit card belongs to a kind of bank card, and bank card mainly includes credit card and debit card. When using a credit card, it belongs to the heart of spending first and then repaying, and you can overdraw within the credit limit. Debit cards can only be used after users deposit funds, and overdraft is not supported.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
There are many differences between credit card and bank card, but there are also many similarities. Credit card is also a kind of bank card. Bank cards mainly include debit cards, credit cards and quasi-credit cards. Credit card is also called debit card, because it pays the money first and then pays it back. Ordinary bank cards are called debit cards because they deposit first and then consume.
What's the difference between a bank card and a credit card?
1. The differences between bank cards and credit cards are mainly reflected in the following aspects: different functions, different validity periods, different annual fees, etc.
2. Cards are very common in life. The most commonly used are bank cards and credit cards. Both of them are issued by banks and linked to currency. Some people are confused at first contact. The differences between credit cards and bank cards are as follows:
1) has different functions. The main function of a bank card is to save money, withdraw money or manage money. The main function of credit card is consumption, and the cardholder can spend first and then repay;
2) The validity period is different. Most credit cards are valid for five years, while bank cards are valid for five years, 10 years or even indefinitely.
3) Bank card deposits have interest, while credit card deposits have no interest; 4) The annual fee is different. The annual fee of bank cards is mostly more than ten yuan, but the annual fee of credit cards is as high as several hundred yuan or even thousands of yuan.
There are many differences between credit card and bank card, but there are also many similarities. Credit card is also a kind of bank card. Bank cards mainly include debit cards, credit cards and quasi-credit cards. Credit card is also called debit card, because it pays the money first and then pays it back. Ordinary bank cards are called debit cards because they deposit first and then consume. Learn some knowledge and you will understand what it means. After reading the above introduction, I believe you will have a deeper understanding of the differences between credit cards and bank cards. There is no overdue in the process of using bank cards, but using credit cards is different. If it is overdue, it will affect your personal reputation.
Generally speaking, bank cards include credit cards, but the difference between credit cards and debit cards is still very big, which is equivalent to two different consumption concepts. One is to spend first and then pay back the money, and the other is to save the card and then spend. In reality, it has become a trend that more and more people use credit cards, but the savings function of debit cards is still essential in our lives.
Credit cards and debit cards belong to the category of bank cards. Most of the debit cards we usually use to deposit and withdraw money are issued by commercial banks. Credit card is actually a kind of bank card. Bank cards can be divided into debit cards (also called savings cards) and credit cards, and credit cards can be divided into debit cards and quasi-credit cards.
The difference between credit card and bank card and the introduction of various credit cards are over. I wonder if you have found the information you need?