Extended information:
Credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
Online banking, also known as online banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management, etc., so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home.
The characteristic of online banking is that customers can access online banking to handle transactions through the Internet all over the world as long as they have their account numbers and passwords. Compared with traditional banking services, the advantages of online banking are as follows: greatly reducing the operating costs of banks and effectively improving their profitability. There is no time and space restriction, which is conducive to expanding the customer base. It is conducive to service innovation and provides customers with various and personalized services.
From a technical point of view, online transactions need at least four functions, namely merchant system, electronic wallet system, payment gateway and security authentication.