Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions.

Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

Debit cards, also known as "debit cards", are mainly used for store consumption, and the amount of money in them must be less than the account amount. This method will not overshoot or use cyclic interest. Debit cards can be used to deposit and withdraw money on ATM machines, and at the same time, fast transfer business can be realized on ATM machines. The amount usually bears interest in the form of demand deposits.

Because it is for the purpose of saving money, it is called a savings card; As a bank issuing bank, it is officially called a debit card. Debit cards, also known as debit cards, can be used directly in most stores and supermarkets, and can only spend the balance in your card at most, unlike credit cards, which can be overdrawn. Debit cards also support the function of direct transfer or withdrawal through ATM, which is also not an overdraft, but you can freely calculate interest according to your deposit.

Credit card is a special carrier card issued by commercial banks to individuals and units, which is used to buy goods from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Bank card loss reporting

The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.

Matters needing attention

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;

It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.

4. When spending by credit card, don't let the bank card leave sight, pay attention to the number of times the cashier swipes the card, and check whether the amount on the shopping list is correct and whether it is my card when getting the shopping list and card;

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.

7. Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It's better to put them far away. Don't put multiple bank cards and passbooks together.

8. Try to separate the cards with pieces of paper to play the role of spacing.

9. You can use a special bank card case or anti-magnetic card case.