Rural Credit Cooperatives have been renamed Rural Commercial Banks, or Rural Commercial Banks for short. Rural credit cooperatives are local rural bank-type cooperative financial institutions managed with reference to the Commercial Bank Law. They are independent in nature and their business scope is to provide various financial services to rural and urban populations. It is a bank officially approved by the China Banking and Insurance Regulatory Commission. Deposits in rural credit cooperatives can enjoy the protection of the "Deposit Insurance Regulations". If the deposit is less than 500,000 yuan, full compensation will be paid even if the credit cooperative goes bankrupt.

Bank card types

1. Debit card:

Debit card is divided into 2 types, namely:

Savings Card, it is issued by the bank for general customers. The bank card we often refer to is this kind of card, which is mainly used for deposits.

Wealth management card is issued by banks for high-end customers. Through it, you can directly handle bank financial management related businesses.

2. Credit card:

Credit cards are also divided into two types, namely:

Credit card, which is a credit card in the narrow sense that we often mention , you can use it to consume first and repay later, but there is no interest on the deposit.

A quasi-credit card has some functions of a credit card and a debit card. It has interest on deposits and can be used for small overdraft consumption. However, its consumption limit is not as high as that of a credit card, and it also has arrears. It must be paid off in one lump sum, and few people use this card.

In addition, bank cards can also be:

Divided into magnetic stripe cards and chip cards based on different information carriers;

Divided into domestic based on whether the issuing entity is within the country. Cards and overseas cards;

Divided into personal cards and corporate cards according to different issuing objects;

Divided into RMB cards, foreign currency cards and dual-currency cards according to account currencies.

The difference between debit cards and credit cards

Credit cards have a 7-digit signature field, while most debit cards do not.

Credit cards all have laser anti-counterfeiting stamps on the back, while almost none of debit cards have them.

Credit cards almost always have the words "cardholder's signature, invalid without signature" below the signature column, while debit cards only have the words "cardholder's signature" on the right side of the signature column. , Credit cards can be overdrafted, but debit cards absolutely cannot.

In addition, credit cards generally charge annual fees, but debit cards do not.

Pretty good-looking debit cards:

In order to commemorate the 600th anniversary of the Forbidden City, in September 2020, ICBC and the Palace Museum cooperated to issue the "600th Anniversary Commemorative Debit Card of the Forbidden City" Starry Star Card" and "Taiping Youxiang Card". Using a combination of traditional filigree enamel technology and modern laser illusion technology, the "Xingyao Bafang Card" combines elements such as the shape of the palace caisson, the purple micro star, and the totem dragon of the Chinese nation, implying that the auspicious stars are shining high and the purple energy is coming from the east. Beautiful meaning. The "Taiping with Elephants Card" uses the central axis of the Forbidden City, which is represented by ancient Chinese architecture, and the most popular auspicious theme "Taiping with Elephants" from the Ming and Qing courts and the people as elements, giving the card a beautiful meaning of auspiciousness, peace, and good things coming in pairs.

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