according to the bank card number, judge whether it is a credit card or a savings card: the debit card number is 19 digits, and the credit card number is 16 digits. Moreover, judging from the display on the card, the debit card has no pinyin printing of the cardholder's name, while the credit card has the cardholder's name pinyin on the front.

when spending by credit card, the credit card can be overdrawn. You can spend by credit card without deposit in the card. You can't swipe if it exceeds the limit. You can call customer service to apply for a temporary limit. A savings card can only be swiped if there is a deposit in the card.

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.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

The function of credit reporting:

1. The impact of credit reporting:

1. It will reduce the loan amount of the borrower.

2. Do not give the borrower preferential interest rate or make the loan interest rate rise.

3. If there are many bad credit records, the borrower's loan application will be directly rejected.

4. It has an impact on recruitment, job hunting, renting a house and even visa to go abroad.

5. The credit information gap will be blacklisted by the central bank, which will bring a lot of inconvenience to life.

2. Behavior that affects personal credit information:

1. Arrears of water and telephone charges and other related expenses will affect your personal credit information.

2. If the borrower's debt is too high. Most people already have car loans and house loans whose repayment amount exceeds 5% of the borrower's monthly income, and credit cards whose monthly repayment amount exceeds 5% of the borrower's monthly income will be included in the bad credit reporting system.

3. The borrower applies for personal loan default. Any phenomenon that the principal and interest of the loan have not been repaid or the guarantor is repaying it; Debt repayment with assets in the near future and within two years will also be included in the credit record list.