A 19-digit number is usually for a debit card, and a 16-digit number is usually for a credit card.

Bank cards are divided into savings cards and credit cards, which have multiple functions such as inquiry and payment, cash deposits and withdrawals, transfers and remittances, and consumption settlement. Among them, savings cards (debit cards) require deposits first before use, and can also handle investment and financial management services; credit cards have a certain credit limit and can be traded first and then repaid

Credit cards: refer to cards with certain With a credit card limit, you can pay first and then repay within the credit limit, and it is a bank card that enjoys an interest-free repayment period and no interest on deposits according to regulations. The card has functions such as credit consumption, installment payment, transfer settlement, cash deposit and withdrawal, etc.

Quasi credit card: It refers to a bank card that allows you to pay first and then repay within the credit limit, but does not enjoy the interest-free repayment period and has interest on deposits. The card can be used at domestic and overseas acceptance points with the UnionPay logo, and has functions such as credit consumption, transfer settlement, and cash deposits and withdrawals.

Personal account classification refers to classifying customers’ bank accounts (excluding credit cards) into Category I accounts, Category II accounts and Category III accounts. Type I accounts are physical savings cards or current passbooks with the greatest usage rights; Type III accounts are virtual accounts bound to Type I accounts; Type II accounts are virtual accounts or physical savings cards with relatively limited usage rights. Combining different accounts can better protect the security of your funds. Starting from December 1, 2016, you can only open one Type I account in our bank. If you already hold a Type I account, you can choose to apply for a Type II physical savings card. The use of the Type I accounts you have already opened will not be affected. The requirements for account opening, cancellation, loss reporting, etc. for Type II physical cards are the same as those for ordinary savings cards. The scope of account use is as follows: Type I account: It has functions such as depositing, purchasing financial products, transfers, consumption, payment, and cash withdrawals. The current passbook or savings card you open in our bank will be automatically recognized as a Type I account; II Category account: has functions such as deposits and withdrawals (physical cards only), investment and financial management, consumption, payment, transfer, etc.; Category III account: has functions such as consumption, payment, and transfer of a limited amount. Type II and III accounts can be bound to third-party quick payment, but electronic Type II and III accounts do not currently support Alipay.