If it starts with a 4, it is a credit card. The validity period is usually 3 years, that is, your card will be invalid when it expires.

If it starts with 6, it is a debit card. The debit card developed by PUFA is made by Goldpac. Goldpac system requires that the validity period must be entered when printing business cards, so some numbers are usually marked. This validity period is meaningless. The debit card will not expire unless you cancel it.

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1. Shanghai Pudong Development Bank Debit Card refers to a bank card issued by Shanghai Pudong Development Bank to cardholders with no credit limit, and the cardholders deposit first and then use it. Cardholders can be used for cash deposit and withdrawal, transfer and remittance, credit card consumption, collection and payment, asset management, water, electricity and other public utilities payment, purchase of bank wealth management products, etc.

2. Debit cards are divided into transfer cards, stored-value cards and special cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements and deducts money from the card during the transaction. A special card is a debit card used for a specific purpose in a specific area, which has the functions of transferring money and depositing and withdrawing cash.

3. If the debit card is only applicable to local merchants, it will generally be printed with the logo of the card issuer and its applicable processing system. The international debit card has the same appearance as the credit card, and the logo of the international payment card institution is printed on the lower right corner. It is very popular in all the sales points that accept credit cards. The difference is that when using a debit card, the amount will be automatically deducted from the bank account instead of being included in the credit line.

Tips:

Chip debit cards are valid for less than 6 months. When handling business through ATM, smart terminal, online banking and mobile banking channels, you will receive a prompt that "the card is about to expire". Please apply for a replacement card as soon as possible. If it expires and you want to continue to use it, please bring your valid ID card at any time before the card expires, and the original chip savings card will be replaced at any local and foreign ICBC outlets when it expires.