The distinction between bank magnetic stripe cards and bank chip cards: 1. The only black strip on the back of the bank card is a magnetic stripe card. 2. A chip card has a metal piece on the front that is similar to a mobile phone card chip. Early chip cards generally also had a magnetic stripe. Supplement: The first way to replace a bank card with a chip card is to "replace the card with a guaranteed number", that is, the magnetic stripe card is directly replaced with a chip card, which is unchanged, but it takes 10 days to two weeks to get the replacement. Since magnetic stripe cards and chip cards are two different systems, currently only a few major banks can "replace cards and protect numbers", and not all bank cards can do this. For example, CCB only has cards starting with 622700 that can protect numbers, and Bank of Communications only has 19-digit savings cards that can protect numbers. The second type is to "change card and number", but the account information of the old card will be entered into the new card. You can usually get the card on the spot, which is actually similar to applying for a new card. The third type is to apply for a new card. Nowadays, new cards are generally chip cards, and the charging standards of each bank are different.