Because the joint credit card is a cooperative credit card between banks and merchants, both merchants and banks hope that more people will use this card, so the application requirements are low.

Credit cards are issued by banks, and the requirements are relatively high.

2. Is it targeted?

Co-branded credit cards are generally targeted, that is, the card type only has more concessions for a certain type or a certain type of merchants.

There is no special discount for credit cards.

3. It is easier to increase the amount.

Credit card withdrawal requires more use to withdraw cash, and it is not appropriate to withdraw money.

The more activities in a joint credit card, the more times it may be used, and the greater the chance of withdrawing cash.

Extended data:

The main features of credit cards:

1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.

2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.

3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

It is a high-tech product integrating financial business and computer technology.

5. It can reduce the use of cash currency.

6, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

7. It can simplify the collection procedure and save social labor.

8. It can promote commodity sales and stimulate social demand.

Baidu encyclopedia-credit card

Baidu Encyclopedia-Joint Credit Card