The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. 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 limit.
Another way of saying credit card is credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85,60 mm, a width of 53,98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account. 20 12 February, the bank confirmed that credit cards are safer without passwords. If it is stolen, it should bear the same responsibility as the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is repaid before the due repayment date without paying any fees. There is no interest-free repayment period for withdrawal. 0.05% interest will be charged every day from the date of withdrawal, and the bank will also charge a certain percentage of withdrawal fees.
: 1. Classification of credit cards
(1) According to different card issuers, it can be divided into bank cards and non-bank cards.
(1) bank card. This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the branches of the issuing bank or at places with ATMs.
(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations such as department stores and oil companies. Specially used for shopping in designated stores or refueling at gas stations, and regularly checked. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, catering, accommodation, entertainment and so on.