A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. 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.
The size of credit cards is generally 85.60× 53.98 mm (3.370× 2.125 inch), and there are also mini cards and irregular cards that are 43% smaller than ordinary cards.
Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; It is divided into personal cards and unit cards according to different issuers; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.
Extended data
Article 13 A commercial bank shall meet the following conditions when offering bank card business:
(1) It has been in business for more than 3 years and has a good business foundation for handling retail business;
(2) It meets the monitoring indicators for asset-liability ratio management promulgated by the People's Bank of China and is in good operating condition;
(3) The business has established a scientific and perfect internal control system with clear internal authorization approval procedures;
(4) Qualified managerial and technical personnel and corresponding management institutions;
(5) Safe and efficient computer processing system;
(6) issuing foreign currency cards must also have foreign exchange business qualifications and corresponding foreign exchange business management level;
(seven) other conditions stipulated by the people's Bank of China.
Baidu Encyclopedia-Bank Card Management Measures