(2) Credit cards are divided into debit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank.
Credit card: refers to the credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay within the consumption credit line when receiving and using the card, 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.
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 can overdraw within the credit limit stipulated by the issuing bank when the balance of the reserve fund account is insufficient. At present, all kinds of credit cards issued by our bank allow a certain overdraft of goodwill, which belongs to quasi-credit cards.
Debit card: according to different functions, it can be divided into transfer card, savings card and zodiac card. Debit card does not have overdraft function, but real-time debit and credit, with transfer settlement, cash deposit and withdrawal and consumption functions.
(3), according to the object of use is divided into personal card and unit card.
Personal cards are issued to individuals. All citizens with full capacity for civil conduct can apply for personal cards.
Company cards are issued to enterprises, institutions, military units, organizations, schools and other legal organizations. These legal institutions can apply for business cards in the name of their own units and bear the responsibility of credit cards.
(4), according to the credit rating is divided into gold card and ordinary card.