Method 1:

It can be distinguished by the number of digits in the card number

The card number is a 16-digit credit card, which allows overdraft, consumption first, and repayment later

The card number is a 19-digit debit card. You can only deposit money first and then spend money.

Method 2:

1. Whether the credit card is paid to the issuing bank There are two types of deposit funds: credit cards and quasi-credit cards.

1. Credit card: refers to the card issuing bank giving the cardholder a certain credit limit. The cardholder does not need to make a deposit first when receiving and using the card. He can consume within the consumption credit limit first and repay later. credit card. As long as the cardholder can pay interest and repay the loan in installments according to the bank's regulations, he or she can use the consumer credit provided by the bank.

2. Quasi-credit card: It means that the cardholder must first pay a certain amount of reserve fund according to the requirements of the card-issuing bank. When the balance of the reserve fund account is insufficient to pay, the cardholder can use the credit limit specified by the card-issuing bank. Overdraft credit card. Currently, various credit cards issued by our bank allow certain goodwill overdrafts and are quasi-credit cards.

2. According to the objects of use, they are divided into personal cards and organizational cards.

1. Personal cards are issued to individuals. Any citizen with full capacity for civil conduct can apply for a personal card.

2. Unit cards are issued to legal entities such as enterprises, agencies, military units, groups, schools, etc. These legal entities can apply for unit cards and assume credit card responsibilities in the name of their units.

3. According to the credit rating, it is divided into diamond card, platinum card, gold card and ordinary card.

1. Ordinary cards are issued to cardholders with average financial strength, reputation and status, and their various requirements are not high.

2. Gold card or above credit card is a kind of high-end credit card that pays high membership fees and enjoys special treatment. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The starting point of the authorization limit is higher, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

4. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards.

1. International card:

An international card is a credit card that can be used outside the issuing country and is universally accepted. The five major overseas groups (MasterCard, Visa International, American Express, JCB Credit Card Company and Diners Club) issued MasterCard, VISA Card and American Express Card respectively. ), JCB Card and Diners Club Card are mostly international cards.

2. Regional card:

A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards, namely UnionPay standard credit cards.