How to distinguish between CCB’s credit cards and debit cards?
1. Distinguish the difference between credit cards and debit cards in nature
Deposit cards are a type of financial transaction card issued by banks to provide financial services to depositors. They are a type of debit card. kind. The main function of a savings card is savings deposits. Cardholders can use the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card to realize card consumption, ATM cash withdrawals, transfers, and various types of payments through the card. The expense is equal to the reduction in the savings account balance. The account balance is zero, the payment function of the card is also reduced to zero, and it does not have the overdraft consumption function.
A credit card, also called a credit card, is a non-cash payment method and a simple credit service. The credit card has an overdraft consumption function, which can be used for swiping purchases without depositing money into the card. It is issued to the cardholder by the bank or credit card company according to the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. When the bill is issued, Make further repayments.
2. Distinguish the difference between credit cards and debit cards from appearance
1. The expiration date and the pinyin of the cardholder’s name are printed on the front of the credit card, but not on the debit card.
2. Credit cards are usually embossed, while debit cards are usually printed flat.
3. There is a 7-digit number printed on the back of the credit card, but not on the debit card.
4. On the back of a credit card, there are words "This card is valid only after signature" or similar words. On the back of a debit card, there are only the words "Signature of the cardholder".
5. Credit cards have laser anti-counterfeiting signatures; about 90% of debit cards do not have laser anti-counterfeiting signatures.
3. Distinguish the functional differences between credit cards and debit cards
1. Ease of application
Applying for a debit card is very simple, as long as you have ID cards do not require bank approval and can generally be obtained immediately.
In addition to being over 18 years old and having an ID card, the bank also needs to consider your income level, social security, assets, etc. to apply for a credit card. It is really not certain whether it can issue a card to you.
2. About the annual fee
The annual fee for a debit card is generally about 10 yuan, and some banks have launched one that does not require an annual fee.
The annual fee of a credit card is much more expensive than that of a debit card. The annual fee for a regular card is generally around 100-200 yuan, that for a gold card is generally around 200-300 yuan, and that for a platinum card can reach several thousand yuan. Of course, most banks have implemented a no-annual-fee policy for regular and gold cards. The specific requirements for the number of card swipes vary from bank to bank.
3. Card swiping method
Deposit cards generally require a password, and the transaction password must be entered when swiping the card for consumption.
Credit cards do not need to set a transaction password. When swiping the card for consumption, only the cardholder's signature is required. Of course, the cardholder can choose to set a transaction password, so that the transaction password is required for swiping the card just like a debit card.
4. Impact on personal credit
Since the debit card does not have an overdraft function, every expenditure and consumption incurred through the debit card is your own, and you can save as much as you like. Take it as you like, so the use process will not affect your personal credit record. Credit cards are different. When using a credit card, you generally need to overdraft money from the bank first. Each month has a billing date and a final payment date. If the payment is overdue, personal credit problems will arise.
How many types of CCB credit cards are there generally? Which credit card should ordinary workers choose?
CCB credit cards are simply divided into regular card, gold card and platinum card. The limits are: \General card: 3000-10000 (RMB)\Gold card: 10000-50000 (RMB)\Platinum card: 50000 Above (RMB)\All Dragon Card credit cards are divided into cards of different business types, as follows:\Diamond Credit Card is aimed at top domestic customers, with "the highest credit limit, the highest aviation accident insurance, the best family health care services, and the most favorable private cars" Value-added services, the most comprehensive airport VIP services, the best luxury hotel and private club privileges, and the best unlimited service experience” refresh the rights record of domestic credit cards.
In 2013, CCB issued 3.3 million standard platinum and above credit cards, ranking first in the industry in terms of the number of high-end customers. \Dragon Card Global Payment Card is the first domestically-available "RMB-deposited consumption in any currency, free of foreign exchange fees" privileges. It also enjoys four major services: comprehensive protection for domestic and overseas travel, consumer credit services for studying abroad, double points for foreign currency transactions, and global business travel special services. Special rights and interests. Three months after its launch in 2013, the number of cards issued reached 2.36 million. It was awarded the "China's Best Product Innovation Award of the Year" and the "China's Best Product Promotion Award of the Year" by VISA International Organization. \Longka Yidai Credit Card is the industry's first automatic revolving consumer credit credit card. It has the characteristics of "one-time credit, revolving credit; automatic installment, convenient and fast; flexible consumption, wide range of uses". It also has 12 automatic installments and 5‰ per month. Special benefits such as preferential rates and coverage of all major consumer fields have become another innovative masterpiece of China Construction Bank Long Card credit card consumer finance. \The China Good Voice Dragon Card credit card has gained high brand popularity through cross-border cooperation between music and finance. With its exclusive celebrity card face, Holliday singing discounts, instant gifts with card swiping, and winning of finals tickets, it has been favored by the society. Widely watched and enthusiastically followed by fans of The Voice. \Longka IC Credit Card accelerates the application of IC credit cards in card issuance in important industries such as highway ETC projects, joint partner member information management, urban public transportation, alumni information, citizen cards, etc. In 2013, there were 30 application cooperation projects and the number of cards issued was 683 Thousands of sheets. \World Travel Credit Card is a cooperation between China Construction Bank and "Ctrip.com", the first "travel fund" rights and interests in China, and jointly launched the World Travel Credit Card. In 2013, more than 2 million new cards were issued, making it the product with the most newly issued cards that year. \Dragon Card Digital Display Credit Card is the first credit card in China that integrates high-tech elements such as LCD display and numeric keyboard. The card surface provides "balance" and "transaction details" inquiries, making it convenient for cardholders to grasp consumption information at any time, bringing a new card use experience. . \Note: You can choose according to your own preferences.
How to classify CCB credit cards
1. Classification of consumption methods: standard card, shopping card, car card, airline card, hotel card, travel card, female card, cartoon card, game card , financial card, sports card, Internet card, fashion card, theme card, charity card, city card, student card, business travel card.
2. Level classification: regular card, gold card, platinum card, titanium card, diamond card. The higher the level, the higher the benefits and quota you enjoy, and the higher the qualification requirements for applicants.