credit card: you can spend first, and then repay (that is, overdraw). The amount you can spend is determined by the bank according to your economic strength and credit situation.
His World Travel Credit Card is a world travel credit card jointly issued by CCB and Ctrip. In terms of card rights, this card has a travel fund function, and Ctrip's products are ordered with the Ctrip member number on the card, accounting for 3% of the hotel consumption (the price of a hotel room exceeds that of 6 yuan, which is calculated according to 6 yuan, Hotels included in booking holiday products or group purchase hotels are not included), .3% of air ticket consumption and 1.5% of travel holiday products consumption will be accumulated as exclusive travel funds in Ctrip member accounts for future use when Ctrip pays for air tickets, holiday products and prepaid hotels, and the travel funds will be automatically paid to Ctrip member accounts in the month after successful booking. The travel fund is valid for one year and takes effect from the time it is credited to the cardholder's Ctrip member account. Also, using a card for Ctrip can not only accumulate credit card points of CCB, but also accumulate points for Ctrip. Generally speaking, it's very good ~
Debit card is a bank card issued by the issuing bank to deposit first and then consume (or withdraw cash) without overdraft function. According to different functions, it can be divided into transfer card (including savings card), special card and stored value card. It is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping consumption, etc. It also has many financial functions such as transfer, fund purchase, stock trading and so on, and also provides a lot of value-added services.
The biggest advantage of debit card is the electronic housekeeper function. Consumers can use it to pay utilities such as water, electricity, coal and telephone, and even handle bank-securities transfer and bank-securities stock trading. At present, many banks have endowed debit cards with powerful housekeeping functions. Consumers should try their best to keep debit cards with a wide range of functions and high practicability according to their actual utilization rate.
However, the previous debit card gave convenience and preferential treatment to consumers, but now the convenience has not increased, but the preferential treatment is gone. As of June 28, the four major state-owned banks have started to charge debit cards: 1 yuan's card opening fee, 1 yuan's annual fee, and each 4 yuan Tongcheng interbank ATM withdrawal fee. Therefore, using a debit card now should be handled in the most affordable situation.
a credit card is a special carrier card issued by a commercial bank to individuals and units, which is used to make purchases from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. The credit card we are talking about now generally refers to a debit card only.