According to the different shapes of credit cards, they can be divided into standard credit cards and special-shaped credit cards. The advantage of special-shaped cards is that they are personalized. The card surface is usually commemorative or personalized, and the size of the card is also different from standard cards, which has a certain value for appreciation and collection. However, because the size of special-shaped cards is unconventional, it can only be swiped in shopping malls. , online payment, etc. cannot be used at ATMs, so special-shaped cards are usually issued attached to a standard card. That is to say, when applying for a special-shaped card, a standard credit card will be issued at the same time to meet the different usage conditions of cardholders.

Due to the irregular shape of special-shaped cards, it cannot be ensured that all plug-in card terminals can recognize them. Therefore, special-shaped credit cards can only be used for consumption and cannot be used for cash withdrawals and repayments, and cannot be used at ATMs and CDM machines. In order to ensure that cardholders can enjoy all the services of credit cards, bank credit card institutions will issue a standard card at the same time when applying for special-shaped cards for users to ensure that even if special-shaped cards cannot be used, they can still enjoy credit card services.

The main purpose of banks promoting special-shaped credit cards is to meet the personalized needs of the market and also to increase the number of cards issued. Applicants must be sensible when applying for such cards and do not blindly apply for too many cards, otherwise The annual card fee or the prescribed number of card swipes will impose a certain financial burden on cardholders.